Table Of Content

This Isn’t About Eating Cat Food and Working Harder. It’s about getting out of debt once and for all. It’s about you getting out of debt—no matter how long you’ve been there or how much you owe. It’s Not About Clipping Coupons or Saving String. It’s Not a Get-Rich Scheme or an Investment System. It’s a clear and simple program that will enable you to free yourself from debt and to stay free forever. Be as skeptical as you want. But if you follow this program, you’ll still get out of debt. These are not simply theoretical ideas. They’ve been tested and proven over the last two and a half decades by hundreds of thousands of men and women who have already used them to free themselves from debt and thousands more are using them right now to do the same thing. You can too. This program works. It’s that simple. 2012 Bantam Books eBook Edition Copyright © 1988, 2003, 2012 by Jerrold Mundis All rights reserved. Published in the United States by Bantam Books, an imprint of The Random House Publishing Group, a division of Random House, Inc., New York. BANTAM BOOKS and the rooster colophon are registered trademarks of Random House, Inc. This is a revised edition of a work previously published by Bantam Books, an imprint of The Random House Publishing Group, a division of Random House, Inc., in 1988 and 2003. Library of Congress Cataloging-in-Publication Data Mundis, Jerrold J. How to get out of debt, stay out of debt, and live prosperously/Jerrold Mundis.— Bantam rev. trade pbk. ed. p. cm. “Based on the proven principles and techniques of Debtors Anonymous.” eISBN: 978-0-34553479-8 1. Finance, Personal. 2. Debt. I. Debtors Anonymous. II. Title. HG179.M855 2003 332.024′02—dc21 2002074739 www.bantamdell.com Cover design: Beverly Leung v3.1 CONTENTS Cover Title Page Copyright PREFACE This Isn’t About Eating Cat Food and Working Harder You Are Not Alone What Debt Does to Us Where This Program Comes From You Don’t Have to Go One More Dollar into Debt PART I THE DEBT SPIRAL 1 What Is Debt? I.O.U. The Secured Loan Why Secured Loans Are Not Debt This Is It This Is It Too 2 The Nature of Debting Compulsive Debting Problem Debting Reasonable Debting 3 Warning Signs Is It the 15th Already? The Unopened Mail The Unbalanced Account The Unsent Check Not Much Down The Department Stores Cash Advances A Couple of Bucks Till Tomorrow It’s the Adult Thing to Do If One Is Good, Two Are Better I Handled That, by God Money Is a Personal Matter The Canceled Account Saved by the Bell Who Knows What the Details Are? Minimums Next Month Is Next Month Kite Flying Bouncing Right Along I Can’t Keep Track of It All There’s Always Someone But I Can’t Do It Alone 4 How We Get There The Core of It I Don’t Understand Money When the Going Gets Tough, the Tough Go Shopping I’m Entitled A Dime & a Sandwich Look at Me, Ma, I’m on Top of the World Money Corrupts $200 Worth of Love, Please Waiting for Godot It’s All Going to Go Away Women Can’t Handle Money I’m a Special Case Good People Help Others The Organ-Grinder’s Monkey Yeah, but I Still Want to Be a Kid Monsters in the Dark PART II STOPPING THE DEBT SPIRAL COLD 5 The Concepts of Change Right Now, You’re Perfectly All Right You Are Not Your Bank Balance, You Are Not the Sum of Your Debts You’re Not Living for Your Creditors This Isn’t a Rehearsal Feelings Aren’t Facts Debt Is Nothing but a Temporary Situation The Cavalry Has Arrived You’ve Got More Than You Think It’s Not Armageddon There Is No Tomorrow 6 Laying the Foundation Don’t Shoot, I Surrender Defusing Denial Bankruptcy Me No Bankruptcies A Month Without Worries One Day 7 The Heart of It One Day at a Time Some Practical Suggestions 8 A Tool Nearly as Good as the Wheel The Daily Record Noncash Expenses The Weekly Record The Monthly Record An Emerging Vision Categories The Spending Record Keeping the Record on Software or Online Resistance 9 Getting Stronger The Devil You Know The Plastic, of Course A Cautious Exception The Company Card The Debit Card No Wild Promises Thanks, but No Thanks 10 The Spending Plan Bye-Bye Budget Putting It to Work Ex Post Facto 11 Couples and Families Couples: J’Accuse Conclave Now We Two Are Three (At Least in This Respect) The Household Spending Plan The Rule of Three Summit Meeting The Wet Tub Discussion Families Accord What’s It Worth? Swiss Family Robinson-ing It My God, Me as Enabler? Single-Parent Families Co-oping You’re Entitled What’s Right Is Right In Closing Hardball and Optimism Live and Let Live 12 Stabilizing The Spending Plan Redux Building a Margin No Margin? Moratoriums Increasing Income Do It Again PART III TURNING IT AROUND 13 A New Mode Taking Action To Hell with the Results Serenity Keep It Simple Easy Does It Show Up Act As If 14 Comrades in Arms Even the Lone Ranger Had Tonto Debtors Anonymous Or … 15 Through a Glass, Clearly You Don’t Have to Do Anything Look at That! Fieldstripping Your Vocabulary I Never Knew I Was This Good What the Bacon Looks Like PART IV FREEDOM, PROSPERITY & ABUNDANCE 16 Getting Out Part 1 A Full Commitment The Ideal Repayment Plan A Dollar a Month Repayment Plans Aren’t Always Ideal The Question of Interest Insane Interest Debt Shifting Repayment Surplus 17 Getting Out Part 2 Honesty Hi, It’s Me A Simple Business Transaction Moratoriums and Restructuring A Brief Word About Numbers Consolidation Loans Nonprofit Credit-Counseling Agencies The Contact Log The Reduction Record The Liquidation Record 18 Here Lie Monsters (If You Think So) The Customer Account Department Collection Agencies The IRS It’s Not a Court of Inquisition The Credit Rating, Or Whose Graven Image Is This? 19 Supports HALT P.S., Your Furnace Is Dead “Keel the Bool” Rainy Days An Additional Note on Secured Loans Briefly, on Rebuilding a Credit Record I’ll Drink to That 20 Specialties The Vacuum Principle In and Out in 24 Hours The Ideal Spending Plan What, Precisely, Do You Want? Targeting The Real Stuff Generosity 21 It’s a Big Universe However You Understand It 22 Staying Out Part 1 The Three Cardinal Rules Nothing Can Make You Debt Use This Book Fool Me Once, Shame on You; Fool Me Twice, Shame on Me How Could Anyone Do That (Now That I’m Not)? Those Good Friends 23 Staying Out Part 2 The Money Comes In Commonplace Miracles Opportunity Knocked and I Wasn’t Home Where Is It Written That You Have to Work for Money? Prosperity & Abundance 24 Resources & Supplementary Matters Debtors Anonymous Books Online Magazines & Newspapers Professional Advisers Psychotherapy Institutions, Organizations & Corporations A CLOSING NOTE Dedication Other Books by This Author

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How to Get Out of Debt, Stay Out of Debt, and Live Prosperously*: Based on the Proven Principles and Techniques of Debtors Anonymous PDF

281 Pages·2012·1.93 MB·English
by  Jerrold Mundis
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This Isn’t About Eating Cat Food and Working Harder. It’s about getting out of debt once and for all. It’s about you getting out of debt—no matter how long you’ve been there or how much you owe. It’s Not About Clipping Coupons or Saving String. It’s Not a Get-Rich Scheme or an Investment System. It’s a clear and simple program that will enable you to free yourself from debt and to stay free forever. Be as skeptical as you want. But if you follow this program, you’ll still get out of debt. These are not simply theoretical ideas. They’ve been tested and proven over the last two and a half decades by hundreds of thousands of men and women who have already used them to free themselves from debt and thousands more are using them right now to do the same thing. You can too. This program works. It’s that simple. 2012 Bantam Books eBook Edition Copyright © 1988, 2003, 2012 by Jerrold Mundis All rights reserved. Published in the United States by Bantam Books, an imprint of The Random House Publishing Group, a division of Random House, Inc., New York. BANTAM BOOKS and the rooster colophon are registered trademarks of Random House, Inc. This is a revised edition of a work previously published by Bantam Books, an imprint of The Random House Publishing Group, a division of Random House, Inc., in 1988 and 2003. Library of Congress Cataloging-in-Publication Data Mundis, Jerrold J. How to get out of debt, stay out of debt, and live prosperously/Jerrold Mundis.— Bantam rev. trade pbk. ed. p. cm. “Based on the proven principles and techniques of Debtors Anonymous.” eISBN: 978-0-34553479-8 1. Finance, Personal. 2. Debt. I. Debtors Anonymous. II. Title. HG179.M855 2003 332.024′02—dc21 2002074739 www.bantamdell.com Cover design: Beverly Leung v3.1 CONTENTS Cover Title Page Copyright PREFACE This Isn’t About Eating Cat Food and Working Harder You Are Not Alone What Debt Does to Us Where This Program Comes From You Don’t Have to Go One More Dollar into Debt PART I THE DEBT SPIRAL 1 What Is Debt? I.O.U. The Secured Loan Why Secured Loans Are Not Debt This Is It This Is It Too 2 The Nature of Debting Compulsive Debting Problem Debting Reasonable Debting 3 Warning Signs Is It the 15th Already? The Unopened Mail The Unbalanced Account The Unsent Check Not Much Down The Department Stores Cash Advances A Couple of Bucks Till Tomorrow It’s the Adult Thing to Do If One Is Good, Two Are Better I Handled That, by God Money Is a Personal Matter The Canceled Account Saved by the Bell Who Knows What the Details Are? Minimums Next Month Is Next Month Kite Flying Bouncing Right Along I Can’t Keep Track of It All There’s Always Someone But I Can’t Do It Alone 4 How We Get There The Core of It I Don’t Understand Money When the Going Gets Tough, the Tough Go Shopping I’m Entitled A Dime & a Sandwich Look at Me, Ma, I’m on Top of the World Money Corrupts $200 Worth of Love, Please Waiting for Godot It’s All Going to Go Away Women Can’t Handle Money I’m a Special Case Good People Help Others The Organ-Grinder’s Monkey Yeah, but I Still Want to Be a Kid Monsters in the Dark PART II STOPPING THE DEBT SPIRAL COLD 5 The Concepts of Change Right Now, You’re Perfectly All Right You Are Not Your Bank Balance, You Are Not the Sum of Your Debts You’re Not Living for Your Creditors This Isn’t a Rehearsal Feelings Aren’t Facts Debt Is Nothing but a Temporary Situation The Cavalry Has Arrived You’ve Got More Than You Think It’s Not Armageddon There Is No Tomorrow 6 Laying the Foundation Don’t Shoot, I Surrender Defusing Denial Bankruptcy Me No Bankruptcies A Month Without Worries One Day 7 The Heart of It One Day at a Time Some Practical Suggestions 8 A Tool Nearly as Good as the Wheel The Daily Record Noncash Expenses The Weekly Record The Monthly Record An Emerging Vision Categories The Spending Record Keeping the Record on Software or Online Resistance 9 Getting Stronger The Devil You Know The Plastic, of Course A Cautious Exception The Company Card The Debit Card No Wild Promises Thanks, but No Thanks 10 The Spending Plan Bye-Bye Budget Putting It to Work Ex Post Facto 11 Couples and Families Couples: J’Accuse Conclave Now We Two Are Three (At Least in This Respect) The Household Spending Plan The Rule of Three Summit Meeting The Wet Tub Discussion Families Accord What’s It Worth? Swiss Family Robinson-ing It My God, Me as Enabler? Single-Parent Families Co-oping You’re Entitled What’s Right Is Right In Closing Hardball and Optimism Live and Let Live 12 Stabilizing The Spending Plan Redux Building a Margin No Margin? Moratoriums Increasing Income Do It Again PART III TURNING IT AROUND 13 A New Mode Taking Action To Hell with the Results Serenity Keep It Simple Easy Does It Show Up Act As If 14 Comrades in Arms Even the Lone Ranger Had Tonto Debtors Anonymous Or … 15 Through a Glass, Clearly You Don’t Have to Do Anything Look at That! Fieldstripping Your Vocabulary I Never Knew I Was This Good What the Bacon Looks Like PART IV FREEDOM, PROSPERITY & ABUNDANCE 16 Getting Out Part 1 A Full Commitment The Ideal Repayment Plan A Dollar a Month Repayment Plans Aren’t Always Ideal The Question of Interest Insane Interest Debt Shifting Repayment Surplus 17 Getting Out Part 2 Honesty Hi, It’s Me A Simple Business Transaction Moratoriums and Restructuring A Brief Word About Numbers Consolidation Loans Nonprofit Credit-Counseling Agencies The Contact Log The Reduction Record The Liquidation Record 18 Here Lie Monsters (If You Think So) The Customer Account Department Collection Agencies The IRS It’s Not a Court of Inquisition The Credit Rating, Or Whose Graven Image Is This? 19 Supports HALT P.S., Your Furnace Is Dead “Keel the Bool” Rainy Days An Additional Note on Secured Loans Briefly, on Rebuilding a Credit Record I’ll Drink to That 20 Specialties The Vacuum Principle In and Out in 24 Hours The Ideal Spending Plan What, Precisely, Do You Want? Targeting The Real Stuff Generosity 21 It’s a Big Universe However You Understand It 22 Staying Out Part 1 The Three Cardinal Rules Nothing Can Make You Debt Use This Book Fool Me Once, Shame on You; Fool Me Twice, Shame on Me How Could Anyone Do That (Now That I’m Not)? Those Good Friends 23 Staying Out Part 2 The Money Comes In Commonplace Miracles Opportunity Knocked and I Wasn’t Home Where Is It Written That You Have to Work for Money? Prosperity & Abundance 24 Resources & Supplementary Matters Debtors Anonymous Books Online Magazines & Newspapers Professional Advisers Psychotherapy Institutions, Organizations & Corporations A CLOSING NOTE Dedication Other Books by This Author

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