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 Stepping Out Of Debt ... and into Financial Freedom
By Philip Bradbury
This
is a simple, practical guide to getting yourself out of debt and staying out.
It works equally well for people and for businesses – businesses are run by
people! As a qualified accountant (BBS ACA) I found myself
helping individuals and business out of debt. I was surprised at the ignorance
(or naivety) of people who found themselves in debt - their solutions seemed so
simple and obvious. It took me some time to realise that people don’t get into
and out of debt by the way they spend
but by the way they think.
We’ve been inundated with advertising and peer
pressure to spend to heal, to feel better by having things we don’t need …
people and businesses alike.
Being insolvent is not fatal and life goes on. I don’t
recommend it but if you’re in it, you can get out. I did. You can too. So, here
is a book that explains where help is to be had, how to get out of debt and how
to stay out. Philip
Bradbury is a qualified accountant (ACA) with a degree in accounting
and economics (BBS). He was a chartered accountant, university lecturer,
corporate trainer and business consultant (in several countries) for
many years. He also gave his time freely to the Budget Advisory service, to help people get out of debt ... and to stay out. Specifications: Paperback: 64 pages
ISBN-10: 1453626549
ISBN-13: 978-1453626542
Book size: 8 x 5 x 0.2 inches
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Excerpts from Stepping Out Of Debt by Philip Bradbury ...
Introduction
This take-home
course it has not been written by an intellectual looking in on the financial
world but by an accountant, business owner, lecturer and corporate trainer who
has worked in the system and who has helped hundreds of people (and businesses)
to achieve a better financial position.
I have known great career success as a businessman and I have had to
start again. More of my story is at the end of this course and it’s enough to
say, right now, that I’m an ordinary, fallible human who has been tripped up by
life and got up … again and again.
I cannot separate my financial success from my relationship success or
from my state of mind. When I was angry at or jealous of others, my life didn’t
flow … and nor did the money. When I got that and started working on my anger
and my sense of missing out, money, relationships and lots of other things came
right.
Every part of us is brought to bear on our finances. I have known people
who have cheated on their spouses (or others) and who think they can still have
success at work – it never works. When our minds are tuned to our integrity and
with the great wealth of abundance in all things (happiness, friendships,
assets, family values and inner contentment) we are then, and only then, able
to become magnets of wealth and financial opportunities. As well as the psychology of wealth, this course will also give you
practical, day-to-day techniques and exercises to release you from debt and
lead you into financial freedom. As your financial problems are released and
greater financial opportunities come to you, so will other problems
(relationships, career, health and so on) be released and new opportunities be
presented to you.
I know you’ll enjoy the journey as we work together to tackle your
financial problems and make a positive difference in all areas of your life.
Let’s start!
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Money and Your Mind
Before you can learn to play soccer (or any sport), you need to learn how to walk and then you need to learn to run. Only then can you start to learn how to kick a ball and do all the other things to become proficient at soccer.
The same with money – you need to get yourself up and running (mentally) before you can learn the particular skills and behaviours needed to improve your financial situation. When you’re mentally fit (match fit?), you’ll find the ideas and exercises so much easier to absorb and to do. So, let’s start with your mind …
Thinking and Finance
You get what you choose, but first you need to know what you’re choosing. Your current financial situation is a direct reflection of your inner relationship with money. If you don’t like your finances, something needs to change in your relationship with it.
If your finances are not in a good state – or not as good as you’d like – that tells you that your relationship with money is not good. I’ll help you to identify exactly what is not working in your relationship with money and then you’ll have a definite set of steps to improve that.
Beliefs About Money
If you want to improve your financial situation, you must first uncover the negative beliefs that shaped your relationship with money. Get out some paper and respond to these questions. Again, writing creates clarity and speeds your change.
Exercise 3
1. How did your parents talk about money – happily, angrily, constructively, negatively?
2. How did your parents behave with money – were they open about it, secretive, exasperated, generous, stingy, prosperous, poor?
3. What negative things have you heard about money?
4. What negative things have you heard about people who have a lot of money?
5. What are some of the negative ways money has shown up in your life and in the lives of those around you?
6. What beliefs get between you and prosperity?
7. What would your two best friends say about you and money?
8. Dig deeper and deeper. You may hit several blank spots before you find the deepest beliefs that have truly driven your relationship with money.
Keep writing all your thoughts, experiences and memories about money ...
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The What For? Club:
Find a group of friends (perhaps from the above list) who want to reduce their debts and pay off their credit cards. Sit in a circle and each hand your credit cards to the person on your right. Everyone is now holding someone else's credit cards. From now on, when you want to buy something on your credit card, you need to ask the person who is holding yours. They will say, "What for?" You then need to justify why you need to use your credit card. If they're happy that the purchase is justified, they will put your case to everyone else in the group. If everyone agrees that the purchase is appropriate, you'll be given your card to make that purchase … and ONLY that purchase. After the purchase, you give back your card to the holder, for safe-keeping.
The What For? Club can meet monthly, fortnightly or weekly, depending on your preference. The purpose of the meetings is to discuss everyone's financial progress and what they have learned since the previous meeting.
Once anyone has paid off their credit card, the club has a burning ceremony with an appropriately joyous ritual (whooping round the house, singing Abba's Money, Money, Money or something similar) and the eventual aim of the club is to have everyone's credit cards paid off, in a fun, supportive and honest way.
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Track Your Spending
The truth will set you free … but it will annoy the heck out of you in the meantime!
One of the most difficult things for anyone in debt to do is to track their spending - to write down every little thing you spend money on is very confronting. Most of us just don't want to know. But, look where that not wanting to know has got you! To change results, you need to change behaviour and one of these is to actually get honest with what's going on - look at the facts and don't flinch.
Exercise 10
Later on in this course, we'll give you Exercise 14, which is the full version of your spending but, for now, just start listing everything you've spent over the last two days … yes, everything - parking money, milk, bus tickets, alcohol, sweets, donations to beggars, coffee … everything big and small ...
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