39 Steps and 39 Days to Debt Recovery: A Concept and a System for Managing Your Money

The book has been written in an 'easy to understand' approach to writing about the difficult subject of managing debt. Debt has a way of creeping up on us if we lose sight of what we are doing and where we intend to go with our money. Projects like renovating our home or going into business usually become more expensive than we originally thought it would be. There are many scenarios, not to mention general overspending, that can lead us into spiralling, mounting debt. If bankruptcy is part of the crisis you are going through, go through it. It's not a nice experience, but it will really sharpen up your senses and your awareness for the next venture you undertake. Don't hang on to the past if it has been bankruptcy. After all, all that we lose are material goods and they can be replaced. You may not do the same things again that you did the first time, but if you have determination, while taking on a challenge, in time, you will find another way of developing and maintaining your financial well being and continue to grow from the experiences you will give yourself. I too was put into bankruptcy through a recession. It's not easy starting again, but it can be done through strength of mind and following the system I have written about in my book "39 Steps & 39 Steps to Debt Recovery". I have included a large number of illustrations, diagrams and some characters that will help you on your journey to debt recovery. The book will allow you to manage a money system that really works and you can do it at your own pace, in your own time and in private. While you work within a money system that works for you, you can have a lot of enjoyment planning your future and enjoying the journey on to financial self-sustainability.

Table of Contents:
Page 1: Where Do I Go From Here?; I'm in debt and don't know which way to turn!; Page 2: Take Time Out to Refocus on Your Position; 'I need space and some time out to work through this situation'; Page 10: Working With the Pain of Debt; Page 14: Sharing Time; My life is being driven by everybody else and the debt; Page 19: The Beginning - Your Happy Messengers; Page 24: Thinking Time - Saving Time; Page 35: Developing Systems; Page 39: Building Pipelines; Page 42: Facing Now; Setting Goals, Following the Formula and Rewarding Yourself; Page 67: You Are Now in Contol; Page 77: Appendix containing illustrations, grids, charts and logs.

About the Author :
What a journey it has been over the last eleven years - the journey of starting again and developing a new career in writing, speaking about how money works. I am now known as a Money Psychologist. The experience of bankruptcy, while I was in business and at the same time writing a thesis for a Masters' degree, changed my thinking and attitude towards how money really works. My later research revealed that each and every one of us looks at and behaves differently with money. Very few people understand that money needs to be worked in a system. Because money psychology is such a new area of study in the 21st Century, and yet we have been using psychology since the day we started bargaining for the goods and services that we needed to make our lives more comfortable more than 54,000 years ago, I am continually asked to speak on the BBC radio, be a back up to journalists for such news papers as the Chronicle, London Weekly News, Daily Mirror and others, also national magazines, when they are writing articles about personalities and how the mind works when working with and managing money. I also give talks to groups of adults and children in schools.