Freedom From Money

The goal of this book is to give you hope and encouragement in the area of your personal finances.  It is written for those who struggle with managing money.  As a professional in the field of money management, I am alarmed at how many people are debt-financing their way into oblivion! The number of personal bankruptcies in the U.S. has risen at a phenomenal rate in recent years…with no signs of ending.  According to the Administrative Office of the United States Courts, in the last decade there’s been over a 56% increase in personal bankruptcy filings for Chapter 7 (which means complete bankruptcy) and Chapter 13 (which provides a repayment plan for a portion of the debt). As of this writing, Americans bought over $2 trillion worth of stuff on credit last year alone!   What’s going on here?  Is there a better way?   Yes, there is.

Financial Freedom is a phrase that gets heard a lot, usually associated with making more money.  People buy into that concept, as if more money’s going to buy you your freedom.  In my experience, it doesn’t.  I have found, in counseling and giving seminars over the years, that the concept of financial freedom is not so much the money as it is what’s going on inside the heads of people using the money.

It’s time to re-orient your mind about money, since it affects just about every area of your life.  You can’t live without it, and you never seem to have enough of it.  So, how do you deal with that?  Are you in control of your money…or is your money controlling you?  Ultimately, who should be in control?  How do you handle the fears and anxieties you have towards money?  What role does money play as part of your purpose in life?  All of these issues, and more, will be dealt with in this book. 

I have found that many people approach money and the stuff it can buy with a vow   (as in marriage) of: “to have and to hoard, ‘til debt do us part”!  This is the type of mentality which gets us into trouble.  I’ve been at a place in my life where I’ve had a lot of money and things but no happiness or joy.  Have you ever felt that way?

Of course, I realize that we are all in a different place financially.  Some are able to make a lot of money, some not so much.  Others are living the paycheck-to-paycheck lifestyle, wondering how they could ever dig themselves out of the debt hole they’ve created. Then there are others who are doing well financially but want to find more meaning in life with their wealth.  Wherever you are, I want you to know that there is a purpose for you and what you should be doing with your money.  And, it’s really not all about the money…it’s more about you!  I hope you find wisdom in reading this book, because I wrote it for you; I want you to find richness in your life!