How to Get Out of Debt ... and stay out forever

By Philip J Bradbury

Getting out of debt doesn’t start with your money but with your thinking. After all, it’s your thinking that got you in it, believe it or not. Once you can have a mind change, you’ve got a life-time tool for staying out of debt and for creating abundance.
By purchasing How To Get Out Of Debt you will:
* Learn about the current financial crisis,
* Learn about your personal financial crisis,
* Discover ways to change your thinking and your finances,
* Learn about how changing how you view on money (hint: time really does equal money) is the single biggest step toward living an abundant lifestyle,
* Get financial worksheets to monitor and improve your finances,
* Be taken, step-by-step, through a debt recovery system, and
* Learn some basic accounting, insurance and finance terminology and techniques so you can take your financial savvy to a new level.
Don't waste any more time being in debt. Buy How To Get Out Of Debt, become abundant and then you can make a greater difference in this world.

• Language: English
• Publisher: Philip J Bradbury
• Release date: Jul 13, 2012
• ISBN: 9781301095766

Philip J Bradbury

I am a writer (20 books), publisher (25 books & a magazine) and teacher/trainer for 25 years – accounting, business, men’s groups, AIDS and personal and spiritual growth.I’ve also spent time with several indigenous elders and wisdom-sharers to receive information from as many perspectives as possible. The more people I’ve talked to, the more similarities there are in their stories. ... they all point to this moment of disruption to expose and expunge the untruths, in order to move to the next 2,400-year period of Caring, Connection and Communication.Therefore, I’m here to help you cope with the current changes so you can create your higher life in order to create the community we all long for ... and know is coming.Summary list of writing/publishing experiences:• Writer of 20 published books,• Publisher of books• Commissioning Editor for Business Books• Publisher of national magazine,• Website Editor/Writer• Columnist for magazines in four countries,• Editor for national magazine,• Reporter for weekly newspaper,• Professional freelance writer, proof-reader and editor for clients in Australia, Czech Republic, Norway, Slovenia, Germany, Romania, Arabia, Britain, Canada and America.I spent 20 years in a boring job to impress my father. I finally realised he wasn’t impressed with an accountant son so I slunk sideways into business coaching and teaching and wondered why I’d avoided what I loved for so long. 20 years later, I still love teaching/coaching and have done it ever since, in different countries and in different guises:* Business coaching in NZ, UK and Australia* University lecturing in NZ and UK* Personal development workshops in NZ and Sth Africa* Grief counselling in NZ* Men’s groups in NZ* AIDS workshops in Sth AfricaFrom time to time, I played in other occupations, just because I could:* Busking* Building houses* Truck driving, reporter/photographer for a newspaper* Magazine columnist then editor* Magazine publisher* Commissioning editor of books* Writer of 20 books (to date)I’ve become a Jack of all trades, master of some and a Master of Change, so can help you with your change.Along the way I picked up some qualifications:* BBS – Bachelor of Business [Economics & Accountancy majors] degree.* ACA – Qualified Accountant.* CAT – Certificate in Adult Teaching.* Diploma of Leadership & Management* Diploma of Business* Diploma in Transactional Analysis* Grief Counselling* Life CoachingI also had time with indigenous elders:* A Hopi Elder from Sedona* A Sangorna in South Africa* Several Kaumatua in New Zealand* An Aboriginal elder near Alice Springs

Book preview

How To Get Out Of Debt …

… and stay out

Philip Bradbury

Other books by Philip Bradbury

Non-fiction

Conversations on Your Business

Whose Life Is It Anyway?

The Lawless Way

Change Your Mind, Change Your World

(with Anna Bradbury)

Articles of Faith

Dactionary … the Dictionary with Attitude

The Meaning of Larf

Understanding Men

Fiction

The Royal Bank of Stories

An Olympic Challenge

Circles of Gold

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How To Get Out Of Debt …

… and stay out

Copyright 2010 by Philip Bradbury

Smashwords Edition

ISBN-13: 978-1477644621

www.bbcorp.info

www.thewritesite.biz

All rights reserved. Although this book is copyright and you’re not supposed to reproduce it in any form, I know that some of you will. As a sculptor of words, I’m well aware that it’s so easy for anyone to pretend these words are theirs and receive acclaim for that. If you can live with that then, please, go ahead.

All I can do is ask that you treat the spirit of these words with respect, treat me with respect and enjoy the product thereof. I can live with that.

Kia ora, Philip Bradbury

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Contents

Introduction

The Current Financial

Our Government Debt Figures

Our Personal Debt Figures

Economic Effects of Debt

Where Are You Now?

Clear Written Goals

Openness & Clarity with Yourself

Openness with Spouse/Partner

Money and Your Mind

Thinking and Finance

Beliefs About Money

How Do You Relate to Money?

Create a New Relationship with Money

Keep Learning

Why People Get into Debt

Keeping up with the Jones'

Too Busy Creating a Lifestyle - Not Wealth

Seeking Happiness and Settling for Pleasure

How to Step out of Debt

Put Your Cards on the Table …

Cut Your Suit to Fit - QIQO

Track Your Spending

Pay Yourself First

About Credit Cards

Credit Card Terms Explained

Debt Elimination Formula

Stepping Out Of Debt

Balance Sheet

Budget Plans

Now You Are Debt Free, Grow Your Wealth

An Emergency Fund

Short Term Savings

Medium Term Savings

Long Term Savings

Protection Policies

Term Assurance

Critical Illness

Permanent Health Insurance

The End

About Philip Bradbury

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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