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    Debt Free for Good 7 Steps to Financial Health: A Workbook
    Debt Free for Good 7 Steps to Financial Health: A Workbook
    Debt Free for Good 7 Steps to Financial Health: A Workbook
    Ebook133 pages3 hours

    Debt Free for Good 7 Steps to Financial Health: A Workbook

    By Sanni Kruger

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    About this ebook

    Debt Free for Good has been written with all those people in mind who have never been properly trained in handling their finances. It is for anyone who wants to learn how to develop new budgeting techniques and skills so that you’ll enjoy managing your own money rather than debt.
    Sanni works on a problem-solving basis. Throughout we identify your needs, see how they can be met and then find the means to meet them. We achieve this using Sanni Kruger’s seven steps, ‘making friends with money’, approach.

    These are the seven steps:
    1. Getting a grip on your finances
    2. Using cash flow planning to build financial stability
    3. Getting on top of debt
    4. Cash flow management from day to day
    5. Surviving the money jungle
    6. The light at the end of the tunnel
    7. Achieving what really matters to YOU

    By the end of the book you will have learned how to develop budgeting systems that will allow you to reduce your old debt while building up savings, taking account of your own unique circumstances. It will also help you identify your vision and then create strategies to realise your dreams and achieve your goals.
    All the way through the book are encouraging examples how real people have applied this fluid and flexible approach to their own individual situation and to resolve particular issues.

    LanguageEnglish
    PublisherSanni Kruger
    Release dateMar 24, 2014
    ISBN9781311736376
    Debt Free for Good 7 Steps to Financial Health: A Workbook
    Author

    Sanni Kruger

    Sanni has been overcoming her own difficulties around money since 1999. She says that, like many people, she spent money she didn’t have on things she didn’t need to impress people she didn’t like, and that this left her feeling chronically short of and stressed around money. Over the years, she developed a budgeting system that would put her needs first, yet allow her to reduce her debts and build up savings at the same time.Sanni spent many years working in fundraising and administration for the voluntary sector before studying accounting with the Open University. Since then, she has moved on into translation and earns her income from translating financial reports among others.Because of her background in accounting, Sanni has been asked by many friends, and friends of friends, to help them bring order into their finances. Over the years, she has become increasingly aware that that there are large numbers of people who have never been properly trained in handling their finances. Sanni’s books have been written for the kind of people who want to learn how to develop new budgeting techniques and skills so that they’ll enjoy managing their own money rather than debt.

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      Book preview

      Debt Free for Good 7 Steps to Financial Health - Sanni Kruger

      What others are saying about Debt Free for Good

      Awesome book. I only started to read it but I certainly like it a lot already!!

      --H.H. Germany

      You’ve completely changed the way I think about money.

      --G.W. United Kingdom

      You’re such a good, clear writer.

      --R.L. USA

      ~~~~~~~~~~---~~~~~~~~~~

      DEBT FREE FOR GOOD

      7 Steps to Financial Health – A Workbook

      By Sanni Kruger

      Smashwords Edition

      Copyright Sanni Kruger 2014

      Smashwords Edition License Notes:

      This ebook is licensed for your personal use only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to Smashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.

      This book is designed to provide accurate and authoritative information with regard to the subject matter covered. This information is given with the understanding that the author is not engaged in rendering financial, professional advice. Since the details of your situation are fact dependent, you should additionally seed the services of a competent professional.

      Table of Contents:

      INTRODUCTION - Making Friends with Money

      STEP 1 - Getting a Grip on Your Finances

      STEP 2 - Using Cash Flow Planning to Build Financial Stability

      STEP 3 - Getting on Top of Debt

      STEP 4 - Cash Flow Management from Day to Day

      STEP 5 - Surviving the Money Jungle

      STEP 6 - The Light at the End of the Tunnel

      STEP 7 - Achieving What Really Matters to YOU

      About the author

      INTRODUCTION - Making Friends with Money

      Welcome to the definitive step-by-step How To guide to:

      ✦✦Getting rid of debt for good

      ✦✦Managing your money better

      ✦✦Building up savings for emergencies, holidays and costly events like Christmas

      ✦✦Achieving a sense of personal wealth and prosperity

      ✦✦Identifying your real needs and desires, and the role money should be playing

      ✦✦Defining and realising your vision

      ✦✦Discovering a purpose in life, and living it

      This book is not a quick-fix solution. Neither is it about tightening belts and wearing hair shirts. It is much more about managing your money in such a way so that you can pay off your debt in a holistic and sustainable fashion, which puts your needs first and which will keep you out of debt for good.

      We have seen a lot of books about how to get out of debt, and also about prosperity. In our experience, most of these seem to take for granted that the reader knows how to keep books and manage money in an efficient way on a day-to-day basis. However, we come across people from all walks of life that have never had any formal or informal training on how to create systems that a) work for them and b) provide them with meaningful information about how much money they have where and for what.

      At Holistic Money Manager we work with many highly intelligent and highly educated people who are deeply embarrassed, even ashamed, about the fact that they have problems managing their money. This book aims to give you the tools to do just that.

      But this book is also about changing your relationship with the money in your life – however much or little you think you have – so that it helps you to live the way you want, instead of getting in the way.

      Following these steps will take time, dedication and perseverance – but if you make the commitment to do so, your financial situation will improve.

      What really matters about money

      Money is not just about the numbers that appear on your monthly bank statement, or how many bills and final demands you keep tucked away in a drawer because you don’t know how to deal with them. How much money we have or don’t have affects our most basic feelings of safety, security and self-esteem. Money problems can bring unexpected emotional issues to the surface – feelings of insecurity or inadequacy, for instance. Some of these you might be aware of, others you may not. Many people have a terror of being penniless. Some of us, on the other hand, are actually afraid of having too much.

      Addressing your financial situation should not just be about getting out of debt, helping you to afford longer holidays or save for retirement. It should also be about helping you to feel better and to enjoy the whole of your life.

      Following these steps can open your eyes to the abundance that is all around us, whether it is the kind money can buy directly – or the kind it can’t.

      Money is part of life and living

      Most approaches to budgeting are purely mechanistic – they start off by looking at how much money we have and discuss how we can meet our needs with it. It feels like the Ugly Sisters cutting off bits of their feet to fit into Cinderella’s slipper. A holistic approach takes many more subtle considerations into account.

      We use a holistic approach because people are holistic. We all are physical, emotional and spiritual beings, whether or not we happen to believe in a god. All these three aspects need to be nourished and nurtured. Physically, we need food, clothing and shelter. Emotionally, we need satisfactory relationships with those close to us. Spiritually, we look for cultural and/or religious experiences.

      None of these needs can be met without affecting the other aspects of our being. Without food and drink we cannot survive – that is the physical aspect. This basic need for survival also influences our emotional needs, especially our need to feel safe, nurtured and cared for. This in turn affects our spiritual well-being, depending on who or what we see as the source of our food and nurturing.

      In almost all cultures, clothing is much more than protection for our bodies. Almost universally, it is supplemented by some form of adornment to make us feel good about ourselves and to make a statement of our status within our social environment. Culture or religion usually dictates how we clothe ourselves.

      Housing shelters us from the physical environment and gives us privacy. And a home can be a source of beauty that nourishes the spirit.

      First, identify your needs

      Sanni Kruger worked for many years in charity fundraising, where she learned that every charity exists because it has identified a problem and found a way to solve it. The challenge is then to find the money to make it happen. We work on the same principle: helping you to identify your needs, see how they can be met, and then look at how to find the means to meet them.

      One important aspect in this approach is to let go of preconceived ideas about where money comes from. For most of us, work is the principal source of our income. Therefore, it is easy to think of it as the only source, and to imagine that to get more money we simply need to work harder.

      The money waterfall

      Before you go any further, we invite you to sit down and do a short visualisation exercise. It is important that you do this, because we will be referring back to it later. You do not have to close your eyes or sit cross-legged – just allow yourself to daydream.

      Imagine you are walking through a forest in a mountainous region. Your path leads you along a little stream, busily running its course over a rocky bed. You walk upstream until you find yourself at a waterfall. The path has led you to a point halfway up, which gives you a clear view of the waterfall and the pool at its foot.

      Now look at the mist of spray, which is nourishing lichen that is growing on the rocks all around the waterfall. And look at the rocky pools around the main basin where water is swirling in and out. The smaller pools near the main basin constantly fill up and empty. The larger ones at the back need longer to fill up, but do not seem to fully empty out either – they just overflow sometimes. Most of the water, though, flows straight out of the main basin into the stream.

      From where you are standing, you can’t see exactly where the water is coming from; it could be from a single river, it could be from a number of streams converging. There could even be a reservoir of some kind up there. The source is not important – what is important is the way the water just keeps coming.

      It’s the same with money. We need to let go of preconceived ideas

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