Descrição do livro
Stop thinking about getting your finances organised. Start putting the plan into action. The 90-Day Debt-Free Action Workbook is a practical companion designed to help you work through your financial goals one manageable day at a time. Across 90 days of guided exercises, you’ll write down your real figures, organise your debts, plan around your income and bills, prepare for creditor conversations, build better money routines, and track the actions you’re taking towards greater financial control. The workbook starts with the basics—understanding the money you have available and what must be paid before your next payday—while reminding you to keep essential living costs covered before making extra debt payments. Inside this 120-page workbook, you’ll work through practical exercises to help you: • Organise debts, balances, payment dates and essential bills There is also extra writing space throughout the workbook, giving you room to record additional amounts, dates, details and next steps. For example, the workbook provides additional space immediately after several daily exercises. Each exercise is designed around your own financial situation and your own numbers. There are no unrealistic promises that every debt will disappear in 90 days. The focus is on taking practical action, building sustainable habits and creating a financial system you can continue using. Use it alongside The 90-Day Debt-Free Playbook for the complete 90-day journey. Write it down. Take the next step. Track your progress. Build better money habits—one day at a time.
• Calculate what you can realistically afford
• Build an essential living budget and zero-based budget
• Identify spending leaks and plan your next paycheck
• Create an emergency cash buffer and financial safety net
• Prepare for conversations with creditors
• Record affordable payment arrangements and follow-ups
• Choose and organise your debt repayment approach
• Create payment calendars, reminders and payday routines
• Reflect on your progress and decide your next financial actions
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