Title -- Copyright -- Contents -- Preface -- Introduction -- Chapter 1 - The Heart of Our Debting Issues -- The Debt-Free Spending Plan Is Not a Budget -- What This Book Will Do for You -- How Did I Get into This Mess? -- So, What Have I Been Spending, Anyway? -- Stop Debting, One Day at a Time -- Pick Your Poison: What Going to Stop You? -- Chapter 2 - In with Structure, Out with Stringency: The Simple Tools of the Debt-Free Spending Plan -- First Things First: Determine Your Income -- Introducing the Debt-Free Spending Plan -- Step One: Your Monthly Bills -- Step Two: Your Daily Needs -- Step Three: Add It Up -- The One, Hard-and-Fast Rule -- Chapter 3 - Make It Work Every Day: Your Personal Debt-Free Spending Plan in Action -- A Typical Debt-Free Spending Plan -- A Quick Emotional Read on the Numbers -- Do Your Plan Once a Month, Every Month -- The Magic Little Notebook -- Your Personal Tracking Record -- Your Bill-Paying Plan -- What to Do if You're Behind -- How to Catch Up -- What to Do if You're Ahead -- "Payday Debting": Consultants, Home Office Professionals, Entrepreneurs, and Artists -- Debit Cards versus Cash -- Putting It All Together -- Begin Today -- Chapter 4 - Deprivation Will Never Get You Debt-Free: A Plan for Everything We Need, Want, and Dream of -- Why Have a "Healthy Reserve" Account? -- You Also Need Short-Term Savings -- Fun Money and Special Projects Accounts -- Weddings, Vacations, and Special-Event Debting -- Simple, But Not Always Easy -- Learn to Live Well First -- Chapter 5 - To Cut or Not to Cut: Taking a Reasonable Look at What You Can and Can't Afford -- Cutting Means Financial Freedom -- Making Cuts in Your Daily Needs Categories -- Making Cuts in Your Monthly Bills Categories -- Start Simply and Incrementally.

Chapter 6 - Nailing Down the Octopus Arms: How to Pay Back Your Debts without Gouging Your Living Expenses -- The Value of a Debt-Repayment Plan -- Easy-Does-It Payback Plans -- Credit Ratings and Less Than Minimum Monthly Payments -- How to Talk to Creditors -- A Note About "Forgotten" Debts -- Making Your Peace with the Payback Timeline -- Chapter 7 - Our Aphrodisiac Spending Plan: A Loving Approach to Approaching the One You Love About Debt Problems -- Lay the Unresolved Issue on the Table -- A Debt-Free Spending Plan for Two -- Victoria and Mark's Spending Plans -- Nobody Wants to Be Told What to Do -- The Aphrodisiac Quality of a Debt-Free Spending Plan -- Lawyers, Guns, and Money -- Hope, Backed by Action -- Chapter 8 - "Mom, Can I Borrow…?": How to Stop Asking for Money and Start Paying It Back -- How Much Do You Owe? -- You Pay What You Can -- How to Make Money Amends -- Loans, Gifts, and Debt Forgiveness -- The One-Third Windfall Money Rule -- Chapter 9 - Creativity, Not Credit Cards: Learning from the Spending Plans of the Newly Debt-Free -- Downsizing Means Things Are Looking Up -- Five Real-World Examples -- Alanna's Debt-Free Spending Plan -- Pete's Debt-Free Spending Plan -- Michaela's Debt-Free Spending Plan -- Jake and Anna's Debt-Free Spending Plan -- David and Ellie's Debt-Free Spending Plan -- Chapter 10 - Keeping on Track and Keeping It Real: Using the Tools That Help You Stay on the Plan -- Tech Tools -- Bottom-Line Tools -- Coaching and Other Support Tools -- No Excuses -- Chapter 11 - To File or Not to File: Bankruptcy and Our Future Financial Health -- Do I File for Bankruptcy? -- Attorneys and Agencies -- Ethical Issues -- Be Honest -- The Fallout of Filing -- The Devil in Disguise -- Chapter 12 - Building a Life of Financial Integrity -- Success Is Going to Look Different Now -- The Real Jackpot -- The Happy Life.

This Book Is for You -- Index.