Q: How hard is it to do what the book recommends?

A: It will be as easy or as hard as you decide to make it.

• Remember to try one thing at a time.
• Even if you are the type that gets into new ideas or concepts passionately, try one thing at a time.
• After that is working for you, try the next one thing.
• Have patience with yourself and with those around you.
• It didn’t take you a little while to get into your situation.
• It’ll probably take you a little longer to get you out of it.

Q: I’m already in debt! Why should I spend money on your information?

A: If my concepts and philosophies don’t make a change in at least one of your POOR spending habits, return it for a FULL refund.

• No questions asked, no pro-rated reduction in the price or shipping expense.

Q: Do I have to do a budget?

A: Not necessarily.

• We believe awareness of when and where you spend is more important than the budget itself.
• Budgets are like diets, they tell us what we can’t do.
• Some people call raising their awareness, as suggested, a value based budget.
• If you like budgets, by all means make and follow one.

Q: Will my credit rating go way down if I do this?

A: If you’re going to get out of debt for good, you’ll only need future credit for a home and maybe a vehicle.

• Someone has you thinking this credit score is a BIG DEAL.
• The only one who cares about your score is you.
• For awhile your rating may tank.
• Boo-hoo. Grow up and get over it.
• You’re probably going to go deeper into debt before you get out of debt, too.
• So many have done this before you.
• Don’t make any more excuses. You’ll still be alive when it’s all done. I did it. You can, too.
• You’ll be much happier you did it now, instead of waiting five or even ten more years.

Q: How long will this take?

A: Depends on your situation and how aggressive you approach your challenge.

• It took us just under four years.
• The first few months, the only improvements were not going any deeper in debt.
• The last few months, we were applying over a thousand dollars a month toward the back debt to finish paying it off.
• In the middle and at the end, paying the debt off almost took on a life of its own.
• It was like succeeding at something we’d never known we could achieve.
• The closer we got, the easier it was to see ourselves being debt-free.
• I hope you get to experience that feeling, too.

Q: Does No Balance Due suggest we get rid of all our credit cards? How will we live?

A: No Balance Due in your life will probably require a period of time learning about how and where you spend.

• It may require you get rid of the revolving credit accounts during the process.
• Misuse of those accounts is the most probable cause of your financial situation.
• Going without them might be a real eye-opener for you.
• You’ll live through it, as so many others have.
• It’ll be an adventure you’ll be so happy you took.
• If you decide you aren’t going to consider such a course of action, maybe you’ll remember the phrase No Balance Due when you are ready.
• You could still buy the book and think about what it might take to be debt-free.
• In reality, you’re probably not ready.

Q: What will my friends think?

A: Most of my old friends are still going around and around on that circular path.

• Many are still working for someone else.
• Paying payments on the stuff they bought long ago.
• Keeping up with and impressing people they don’t really even know.
• The people who are making their payments on their stuff they bought to impress everybody else.
• Debt-free brought about new friends who don’t care about that.
• I don’t work for someone else.
• My new friends don’t either. I don’t buy stuff to impress anyone anymore. My new friends don’t either.
• No Balance Due gave me the time and opportunity to write the book, to make this web page and to go around speaking about being debt-free.

Will you be like my old friends or will you, like me, be doing what you want twenty-years from now?

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