Live, laugh, learn….This is the workbook to complement the audio and text of Good Debt, Bad Debt (Penguin 2005, 2007). It is also used at SFLToday.org Workshops and in our video classes and as the starter courses for those personally coached by Jon Hanson. The workbook contains approximately 80 pages. Several original cartoons and slightly sarcastic expanded explanations on Houses, Spouses, and Cars! Oh my! Here is a breakdown of topics (aside from an overall understanding of debt and time). Table of Contents Preface: It’s about time and money! 4 Positive Thinking Isn’t Enough 6 Habit 7 The Daily Practice 7 Most Everything Good Happens in the First Six Feet 7 The Picture of Good Stewardship 9 The Practice of Good Stewardship 10 The Promise of Good Stewardship 12 I Know, You’re Different, Snowflake… 12 Good Debt, Bad Debt Workbook 17 Q&A Chapter 1- The Debt Effects, the Invisible Hand of Debt 18 Q&A Chapter 2- Emotional Hostage: How Do I Get Free From Me? 19 Q&A Chapter 3- Burn Rate: Spending. Not Income, Determines Wealth 21 Q&A Chapter 4- Delayed Gratification Don’t Wait to Get It! 23 Q&A Chapter 5 – I Don’t Know About My Past, But My Future is Spotless. 26 Q&A Chapter 6 – What if You Live? 29 Q&A Chapter 7- Real Estate 34 Real estate rant: 35 Q&A Chapter 8 – Driving My Life Away 40 Car Salesman: 42 Q&A Chapter 9 – Do I Have Records? 43 Tax rant: 46 Q&A Chapter 10 -You Married Who? 46 Q&A Chapter 11 – Debt Warfare: When Push Comes to Shove 51 Negligent Spendicide?: 54 Teach your children well… 55 References 55 10 Year Guarantee 57 (Test Only 16 pages) Stewardship for Life’s Financial Literacy Basics 58 Test Answer Key Only 123 questions 74
“Life is great when you spend less than you make!” SFLToday.org “Emotional spending is the ‘drunk driving’ of financial stewardship.” Jon Hanson, March 5, 2014

Scholar Shannon Macaulay and the Dragon-Prince Ewan have been traveling together for a year when their blissful companionship is interrupted by a cryptic message from their friend Martin. “Come to Westshire. Edmond needs you.” Drawn to his brother’s aid, Ewan finds himself hunting an elusive monster: a winged beast kidnapping young women and stealing their memories. Its latest victim is the Princess Brighid of Westshire, the very girl Edmond has recently fallen for, to the disapproval of her temperamental father, King Riley, and stoic brother, Prince Ryan. Ewan is determined to rescue his brother’s beloved, no matter what the cost. But when Ryan’s eyes fall upon Shannon, the dragon realizes the cost might be greater than he is willing to pay.

LEARN HOW TO ELIMINATE ALL YOUR EXISTING DEBTS, FIND DEBT RELIEF, AND REMAIN DEBT FREE FOR LIFE Discover a proven strategy for debt relief, paying off your debts and remain living debt free for the rest of your life. Millions of people are in debt and struggling to make ends meet. People are hoarded by surmounting financial responsibilities with no resolution in sight. Most don’t know what to do or where to turn for help. The growing financial crisis has shifted the consensus of the American Dream from owning a home to being debt free. This is scary. Is to be “debt free” really just a dream? How do you even start to make this dream a reality? The truth is, it can be your reality. This book gives you step-by-step strategies on how to gain control over your finances, and eliminate all your debts once and for all. You’ll also discover what got you into debt in the first place, and how to keep it from happening again. You don’t have to live enslaved to your debts anymore. You just have to make the commitment to take action and stay the course. Here Is A Preview Of What You’ll Learn… Why Are You In Debt? Income and Expense Worksheet Can You Raise Your Income? Can You Lower Your Expenses? Credit Cards and Debt Debt Consolidation Loan Bankruptcy Secured Loans Much, much more! Here’s What Others Are Saying… “This book is the best book I have read about getting out of your debt the sensible way!! It’s not one of those quick fix books, it is a realistic look at debt and very helpful tools to get out of debt and build your credit. I really recommend this book!!” – Gerald Leroy Anderson (Philly, USA) “This book is really great. I was able to get some nice tips to manage my personal finances better. I’m always trying to save money and I’m always looking to good books like this one to get some information on how to manage my credit card debt better. I’m still in debt but I’ve been following some tips and I can tell you that I’m getting some results already. I would recommend this book. I should try this out.” – Amanda Jones (USA) “I have come out of debt only recently and as I am still recovering financially I decided to download: ‘No More Debt’’ to see if it could help me. I literally ‘absorbed it’ on my lunch break and I found all the tips so useful and so up-to-date that I actually ended up reading it twice. What I got from this read is: some really reinforced motivation! I will never again be a debt victim and will never again struggle financially. I have actually started my financial journal, just like the author suggested and it made it so much easier to me to see where I was with my money…I love this idea of a simple yet healthy and happy life. Thank you so much author!” – Marta T. (Barcelona, Spain) TAKE ACTION TODAY and SECURE YOUR FINANCIAL FREEDOM! Tags: debt, debt free, debt relief, debt management, debt consolidation, debt education, debt free living, debt free spending plan, debt free forever, credit free, credit card debt, credit solutions, credit consolidation, how to pay off your credit card debt, how to pay off all your debts, how to become debt free, how to be financially free, finances, financial problems, financial crisis, financial solutions, financial future, financial independence, financial freedom, financial success, financial planning, financial peace, financial intelligence, financial relief, financial analysis, money management, personal finance, personal money management

How to Eliminate All Debts, get Complete Debt Relief, and Remain Debt Free.

Consumers have legal powers against aggressive creditors and debt collectors under the Fair Debt Collection Practices Act (FDCPA), the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA) and other federal and state laws. Asserting these legal rights can make creditors and their attorneys go away. Consumers are entitled to recover money damages against creditors and collectors for even one violation of these laws. Part of the Legal Playbooks™ Series, The Debt Relief Playbook is an invaluable resource in defending against creditors, debt collectors and their attorneys.

After two decades of fighting creditors and debt collectors on behalf of thousands of clients, Board Certified Attorney Mark Wesbrooks has put together a powerful how-to guide to arm Americans with everything needed to oppose creditors, collectors, and their attorneys in their efforts to seek court judgments, seize assets, invade bank accounts, and garnish pay checks. Wesbrooks effectively explains legal protections, strategies, and procedures in easy to understand terms.

The Debt Relief Playbook provides a roadmap to financial freedom, including sample letters, court documents, and legal references (The War Chest) that will help you stand up and fight to protect your family and preserve the American dream.

The Debt Relief Playbook is part of the Legal Playbooks™ series of publications designed to arm consumers to stand up to creditors and prevail. It is a statistical fact that one out of three debt collection lawsuits have no merit of any kind! By timely raising legal claims and defenses creditors and their attorneys will go away in defeat. Federal laws include loan forgiveness regulations for student loans, legal defenses which remove all liability on civil debts, and remedies of court-ordered discharge of all debts through bankruptcy. Rights and remedies exist which will be lost if the consumer does not act timely in asserting proper legal claims and defenses.

Proper planning and an early counter-attack can eliminate the problem. When your family is under attack, it is time to fight and prevail!

Debt The First 5000 Years is your aide to rapid comprehension of the essential business principles delineated in David Graeber’s acclaimed book Debt The First 5000 Years. The concept of debt is strangely powerful, and it is consumer debt that keeps our economy moving. At the center of international politics is the subject of debt. David Graeber, undertakes in Debt The First 5000 Years, the task to delve into the many misconceptions surrounding debt and Graeber uses the last five thousand years of history to argue, discuss, and demonstrate rights and freedoms, relating how all of this history has given present day a unique set of challenges. Use this helpful paper to understand the essence of Debt The First 5000, including: A concise synopsis summarizing the history of debt and it’s definition In-depth analysis of the most useful concepts from Debt The First 5000 Years, such as the “Credit Versus Bullion, And the Cycles of History” and “The Myth of Barter”. As with all books in the Pivotal Point Papers Series, this book is intended to be purchased alongside the reviewed title, Debt The First 5000 Years.

Do you Want to Save Money, but Don’t Know Where to Start?  Is Diving Into the World of Coupons Too Time Consuming for You?

In Create Your Own Money-Saving Adventure, you get to pick what YOU want to learn.  Not ready to dive into the world of coupons? That’s ok!  You can learn about Price Matching, getting out of debt, raising your credit score or saving money on travel.  At the end of each chapter, your choices will start to make you a money-saving master. You will get to pick and choose different adventures depending on your lifestyle, time and personal money goals. It’s the Ultimate Money-Saving Guide for everyone!

You can even re-read the book and pick different adventures each time.  It’s like reading a whole new book!

With the information in this book and the free website, Freebies2Deals.com, you will learn how to S-T-R-E-T-C-H your dollar like never before!