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Debt, Grace and Happiness How to Become Debt Free on Your Terms

Debt, Grace and Happiness How to Become Debt Free on Your Terms

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Debt, Grace and Happiness How to Become Debt Free on Your Terms

65 pagine
50 minuti
May 6, 2012


If debt has you in a straightjacket, this book is for you. It doesn't matter how difficult your situation is now, you can become debt free on your terms. By paying what you can, not what the creditors tell you to pay, and doing that with ease, you will no longer feel pressure and have more money available to you. If debt is the problem, this book is your answer.

May 6, 2012

Informazioni sull'autore

As a writer, I'm credited with regional and national magazine and newspaper articles. I've also been a copyeditor for IBM, Duracell Design Center, American Express, one lawyer and several novelists. My current work includes an almost daily blog about life, relationships and the natural world, as well as my book Debt, Grace and Happiness: How to Become Debt Free on Your Terms. My other resume includes seven years of work at 35,000 feet, followed by six years as a psychotherapist at sea level and currently as a writer somewhere inbetween. My former job took place on the twelfth floor of the BellSouth building overlooking the Atlantic Ocean in Fort Lauderdale, Florida. It was there I edited legal documents, marketing collateral and filled the candy jar.

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Debt, Grace and Happiness How to Become Debt Free on Your Terms - Jeanie Henderson

Debt, Grace and Happiness:

How to Become Debt Free on Your Terms


Jeanie Henderson


Smashwords Edition

Copyright 2012 Jeanie Henderson

License Notes: This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this ebook with another person, please purchase an additional copy for each person you share it with. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then you should return to and purchase your own copy. Thank you for respecting the hard work of this author.

You’re smart and educated. You may own a business, a house, and a couple of cars. You’ve always prided yourself on paying your bills on time and not carrying debt. But now you find yourself under a boulder of debt.


In Debt, Grace and Happiness: How to Become Debt Free On Your Terms

you’ll discover:

* How to negotiate with creditors and the IRS on your terms

* How to create a manageable spending account and payback plan

* How to spend more leisure time with family and friends

* How to get the support while paying off your debt

* How to create the dream job you’ve put aside for most of your life

* How to get creditors to remove all interest, the IRS to remove penalties and interest

The words debt, grace and happiness aren’t often used together. But here they’re a matched set because you’ll remove debt with ease and grace and the result will be a sense of accomplishment and happiness. You’ll be unlike anyone the creditors have ever spoken to. The conversations will flow and you’ll be amazed by the creditor’s willingness to help you. The path toward solvency and prosperity will not be difficult. Best of all, it will be on your terms. A year from now you may wish you had started today. Discover how to replace debt with savings, and struggle with ease.



Chapter One ~ The First Day

Chapter Two ~ Communicating with Creditors

Chapter Three ~ Slipping and Sliding and Going to the Mailbox

Chapter Four ~ Underearning, Compulsive Shopping and the Numbers

Chapter Five ~ The Formula for Paying Down the Debt

Chapter Six ~ The Best Kept Secret

Chapter Seven ~ The Red Tide of Debt

Chapter Eight ~ You Are Not Your Debt

Chapter Nine ~ There’s Always Another Way

Chapter Ten ~ Using Your Imagination To Create What You Want

Chapter Eleven ~ The Single K and Other Things You Wish You’d Known

Chapter Twelve ~ Getting Out of Debt On Your Timetable

Chapter Thirteen ~ Finding Happiness Despite Debt

Chapter Fourteen ~ You Are Not Alone: A Case Study

Chapter Fifteen ~ One Giant Dumpling of Positive Expectation

Chapter Sixteen ~ When Do We Get to Have Fun

Chapter Seventeen ~ Your Passions and Dreams

Chapter Eighteen ~The Threes


Where is it written that getting out of debt should be difficult? Time consuming, maybe, a little at first. But not difficult.

In Debt, Grace and Happiness, How to Become Debt Free on Your Terms, you’ll learn how to get out of debt without struggle or feel you have to compromise. You’ll learn how to negotiate with creditors like a corporate mogul and how to change your mindset, not only about finances, but everything else in your life. The creditors may not become your new best friend, but they will gladly work with you in ways you could never have imagined.

No matter how much debt you may have accumulated, no matter where your debt is on the ledger — you may have to file bankruptcy tomorrow or your court case is looming or you have an appointment this afternoon with a credit counselor who will be happy to take more or your money — you can begin today to take over the reins and become your own boss in charge of paying off the debt on your terms. Think John Wayne on the horse.

And here’s some more great news. You can ask for things you never thought to ask creditors before. I never wanted the creditors to reduce the interest. I wanted them to eliminate the interest. And they did. I didn’t want to pay the IRS $25 for the rest of

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