Out of Debt, Into Freedom: 7 Essential Ways You Can Break the Chains of Debt

By Joy Stagg

Live the freedom lifestyle you were designed to live…

Debt has become an accepted part of our culture and has enslaved the minds of many today. The average American is drowning in debt and freedom seems impossible to possess.
In Out of Debt, Into Freedom, author Joy Stagg reveals 7 essential steps to become debt free, as well as, the struggle that inspired a passion within her to fight for peace of mind, to attain debt freedom, and to spark a change in the lives of others who are haunted by debt.

The desire of this book is to provoke:

• Inspiration—growing uncomfortable with being comfortable living in debt
• Motivation—overcoming challenges to become debt free
• Empowerment—applying what you learn to live free

Do you remember your life before you were in debt? Do you remember how beautiful freedom felt? Now you have an opportunity to obtain it again. This book will show you exactly what it takes to be free—so don’t waste another moment!

• Language: English
• Publisher: Lulu.com
• Release date: Oct 2, 2017
• ISBN: 9781387269297

Book preview

Out of Debt, Into Freedom: 7 Essential Ways You Can Break the Chains of Debt

Out of Debt, Into Freedom:

7 Essential Ways You Can Break the Chains of Debt

by Joy Stagg

Copyright © 2017 by Joy Stagg

Out of Debt, Into Freedom

7 Essential Ways You Can Break the Chains of Debt

by Joy Stagg

All rights reserved solely by the author. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means - electronic, mechanical, photocopy, recording, or otherwise, without the prior written permission of the author.

Printed in the United States of America

2017

ISBN 978-1-387-26929-7

Lulu.com

Cover design: Greater Works Marketing Design

www.forgiveusourdebt.net

Acknowledgements

First and foremost, I would like to thank God for giving me the courage and strength to go on this journey. 

I would like to thank my parents, Elika and Valencia Stagg, you both are my guardian angels. Thank you for believing in me and encouraging me to share my voice to the world.

To my siblings, Stacia, E.J., Hope, and Charity you all are more than just my siblings; you are my friends. The bond we share is amazing and I’m so thankful you all are in my life. Thank you for your continuous support.

Last, but not least, I want to thank my best friend, Brittianie Valentena. You are the definition of a true friend. Your strength, support, loyalty, and love has been more than I ever imagined in a friend. Thank you for inspiring me to keep moving forward.

I love you all.

Insanity is doing the same thing over and over again and expecting different results

- Unknown

Introduction

Don't spend beyond your means!

Save your money!

Don't open too many credit cards!

Pay more than the minimum payments on your debt!

Guess what, I did the exact opposite!

Why? The truth of the matter is, I was stubborn and wanted to do things my way. I gave myself the illusion that I had things under control. But, in all actuality, I was insane! I was repeatedly doing the same thing and expecting something different to happen.

It was all great, sound advice and is, for the most part, easy to follow. I had very little knowledge and understanding of the importance of debt and the impact it had on my credit, which didn’t help my case at all. Unfortunately, I didn't choose to understand, I chose the hard way; this way led me out of freedom and into debt! And by the age of 24, I was in over $40,000 debt. Most 24-year-olds I knew weren’t in debt and were enjoying their lives, living free.

How is it possible that I was living at home with my parents and still thousands of dollars in debt? I had a car loan, unpaid traffic violations, credit cards, medical bills, and student loans busting through my door and taking me as their prisoner. The