**It can seem impossible to find a way out of debtand the more complicated the proposed solution, the harder it is to stick with it. That’s why this book is SIMPLE.** Life coach JoAnneh Nagler gives you the help you need right now to live your life and get out of debt fast. The plan is clear, easy, and doesn’t require you to sift through chapters of high-minded financial advice or dig up your past spending history. In *The Debt-Free Spending Plan* , you’ll learn how to: * downsize expenses without feeling deprived, * allocate money as it comes in, * put together an easy-to-manage bill-paying plan, * adjust for inevitable overspending, * pay off debt without gouging expenses, * and (believe it or not) start saving. It doesn’t matter if you make ,000 or millionthanks to straightforward daily spending strategies and effortless expense tracking tools, *The Debt-Free Spending Plan* is the key to financial freedom. In just five minutes a day, you’ll find yourself on the road to financial freedom before the next billing cycle.