The Credit Diet: How to Shed Unwanted Debt and Achieve Fiscal Fitness

THE CREDIT DIET......Page 3
CONTENTS......Page 9
Why I Wrote This Book......Page 15
Introduction......Page 19
Prologue......Page 23
PART ONE YOU’RE NOT ALONE......Page 31
Don’t Bank on It......Page 33
Compound Interest—Thriller or Killer......Page 34
Everyone Has Their Own Wake-up Call......Page 35
Every Little Bit Helps......Page 36
The Moment of Success......Page 38
The Hidden Cost of Credit—When to Say I Can’t......Page 41
The Simpler Life......Page 42
Faster (Instant Gratification) Costs More......Page 43
Is Being in Debt Really a Serious Situation?......Page 46
How Are You Supposed to Know?......Page 49
Too Much of a Good Thing?......Page 50
Have You Added Fuel to Your Own Fire of Debt?......Page 51
Go for Elimination of Annual Fees and Lower Interest Rates......Page 54
Businesses and Banks Have Their Own Agenda......Page 55
An Example to Help You Understand......Page 57
After the First 90 Days......Page 60
The Second 90 Days......Page 61
Now the Excitement Starts......Page 62
Freedom Means Options......Page 67
Real Possibilities to Prepare For......Page 69
Rethinking What Wealth Is......Page 70
How Else Could Wealth Affect Your Life?......Page 71
Wealth Means Control......Page 72
If There Were Only One Question to Ask......Page 73
PART TWO THE MULTIPLE ACCOUNT PRINCIPLES......Page 75
We Get What We Think About!......Page 77
How We Started......Page 78
Why Not Just One Account on Paper?......Page 79
Where Does This Money Come From?......Page 81
Where Not to Put All Your Eggs......Page 82
Money versus Finance......Page 83
Does It Seem to Be Spent Before You Get It?......Page 87
Change Your Mind about Money......Page 88
Teach Your Subconscious Affirmations......Page 90
Taking Only What You Need......Page 92
Pay the Most Important Person in Your Life......Page 94
A New Feeling of Security......Page 97
Why Is the Permanent Wealth Account So Powerful?......Page 98
The Fun of Finance......Page 99
What Is Permanent Wealth?......Page 101
The Reward Should Equal the Contribution......Page 105
Setup......Page 107
How to Double Your Fun......Page 108
What You Think About Happens......Page 110
Will You Make Enough?......Page 113
You Need an Employee......Page 114
How Much Do You Need to Have to Invest?......Page 115
A Powerful Money Rule......Page 117
Worry-Free Investing......Page 118
Fact-of-Life Financing......Page 121
A Real Paid Vacation......Page 122
What About Along the Way?......Page 123
Follow Your Dream—The Money Will Come......Page 124
You Can Do It Sooner Than You Think......Page 125
The Past Does Not Equal the Future......Page 126
Chains That Bind......Page 129
The Setup......Page 130
Start Small......Page 131
It Keeps Getting Better......Page 133
Don’t You Need Credit Cards to Live Today?......Page 134
Let’s Recycle......Page 135
PART THREE POWERFUL CHANGES......Page 137
You Can’t Get Rich without It......Page 139
A Change with Change......Page 141
Habits That Make You Grow......Page 142
Digging for Wealth at Home......Page 145
Use Your Imagination......Page 146
Remember Before You Act......Page 148
Can You Find Some Extra Money?......Page 151
Make Them Earn Your Business......Page 152
Something You Should Subscribe To......Page 153
What About Increasing Income?......Page 154
One Last Option......Page 155
Use Your Imagination......Page 156
PART FOUR PRACTICAL ADVICE......Page 159
A Game or Another Job?......Page 161
Use Your Imagination......Page 162
Three Ideas a Day......Page 164
Focused Fun and the Refrigerator......Page 165
You Can’t Just Try......Page 167
Two-by-Two......Page 168
Sell, Sell, Sell......Page 169
Moving Investments......Page 171
PART FIVE THE MAP......Page 175
EIGHTEEN History......Page 177
The Six Accounts......Page 179
Paying Off Debts......Page 180
This Is Worth It Because . . .......Page 183
What About the Kids......Page 184
Sharing without Giving......Page 186
Questions You Need......Page 187
Some Eye-Opening Examples......Page 189
The Ultimate Goal......Page 192
Freedom in Less Than a Third of the Time......Page 207
Tools That You Can Use......Page 212
Fifteen Minutes a Day......Page 239
What I’ve Read......Page 240
Positive Changes......Page 241
Materialism versus Capitalism......Page 242
Afterword......Page 245
Index......Page 247
About the Author......Page 255