Learn and understand how to properly manage and control your budget to permanently free yourself from debt
In addition to this, you need to know more about it.
You will finally know where all your money is going and you won't spend any more time
wondering how to pay all your bills
In addition to this, you need to know more about it.
Free yourself from your debts thanks to the 12 actions and take back control of your finances
In addition to this, you need to know more about it.
In addition to this, you need to know more about it.
In addition to this, you need to know more about it.
I thought I would never get there. Yet I managed to make a big financial gap.
Malika Virin
I thought I would never get out of this.
In addition to this, you need to know more about it.
A few years ago, I was a single mom and riddled with debt. Between loans and bank overdrafts, study fees, unpaid rents and all the current bills, I thought that I would never get out of it, that I would not be able to repay everything or that I would have to years to get there.
In addition to this, you need to know more about it.
After my divorce, in addition to the sadness and loneliness I had to face my catastrophic financial situation:
- I had € 12,000 euros in debt
- I was uncovered every month
- the end of the month, it was the 10th
- I could no longer pay my rent or support my family
In addition to this, you need to know more about it.
Yet, I managed to reverse my financial situation, while improving my life and that of my child.
In addition to this, you need to know more about it.
In addition to this, you need to know more about it.
YOU CAN FREE YOURSELF FROM YOUR DEBTS
In France, the authorized bank debt ratio is 33%. This means that when loan repayments represent 1/3 of income, banks usually do not lend any more money.
However, the Banque De France notes that the French are increasingly in debt. And studies prove that women living below the poverty line, in precariousness, are more numerous than men.
This can be explained by the fact that women generally have a lower financial literacy than men.
Moreover, the known figures are alarming.
Indeed, according to the newspaper Les Echos, "in 2018, 54.3% of over-indebtedness files filed with the Banque de France are those of women, of which 39% are in a financial situation qualified as" irremediably compromised ", c 'that is to say likely to be oriented towards a personal recovery procedure (debt cancellation), 29% are heads of single-parent families while this proportion is only 4.1% for men. "
The magazine Capital.fr quotes "Single mothers represent 29% of over-indebted women against 4.1% of men"
In addition to this, you need to know more about it.
The best way to manage your money is to learn how to do it.
In addition to this, you need to know more about it.
Thanks to the book: "NO MORE DEBTS! 12 actions to regain control of your finances", you will definitely free yourself from your debts, while enjoying life and saving for your future projects. You will learn how and why managing and controlling your budget will dramatically improve and facilitate your life.
In addition to this, you need to know more about it.
I myself implemented the 12 actions detailed in the book: "NO MORE DEBTS!" that I was able to spend
€ 12,000 in debt to € 12,000 in savings.
I have become financially independent .
In addition to this, you need to know more about it.
In addition to this, you need to know more about it.
You probably think that you need to be an accountant or have a great deal of financial and banking knowledge to do this.
And you may even believe that if you can't pay off your debts, make ends meet, or put money aside (or even all of that), it's your fault.
If so, I have great news for you!
You don't have to be an accountant or even fall into the pot of numbers when you were little. You also don't need to know all the financial and banking terms and workings to finally get your head out of the water.
And know that if, until now, you haven't made it, you can't make ends meet, you can't put money aside, you accumulate debts , it's not your fault. This is primarily because no one has taught you how to manage your money. It's not something we teach in school. And no one has come to sit next to you to tell you how to do it.
In addition to this, you need to know more about it.
BUT THAT WILL CHANGE! You will finally learn how to manage and control your budget to take charge of your finances!
In addition to this, you will need to know more about it.
I too thought that my knowledge of accounting was too limited to be able to free myself from my debts. I too believed that you had to be a financial ace to manage my money well. I was wrong ! And the fear of not getting there wasted a lot of my time.
I know how precious time is. And the book "NO MORE DEBTS!" Will save you a lot of time. Because it has all the information and exercises you need to move forward and progress towards your financial freedom.
And, believe me, not having to pay back a single penny is an amazing feeling!
NO MORE DEBTS!
01
MANAGE AND CONTROL
MY BUGET
02
REPAY ALL MY DEBTS
03
SET UP A SAFETY SAVINGS
04
START BUILDING MY FINANCIAL WEALTH
1. CONTROL AND MANAGE YOUR BUDGET
In addition to this, you need to know more about it.
This is one of the first things you will learn to do from the book "NO MORE DEBTS! Take Back Your Finances". You will know where your money is going, you will put in place simple actions that work, such as following your budget by taking a "Budget Break", for example. With tips and advice, you will become more and more comfortable with managing your money.
As soon as I set up my "Budget Break", I was finally able to have real results and I stopped being exposed. It is also what allowed me to repay all my debts, to build up security savings and to go from € 12,000 in debt to € 12,000 in savings while enjoying life. I got married, bought my first car, moved into larger accommodation and can travel with my family.
By controlling your budget you learn that money is a tool that allows you to get what you want.
For me, money is no longer a problem.
In addition to this, you need to know more about it.
2. REPAY ALL YOUR DEBTS
In addition to this, you need to know more about it.
What seemed impossible to you will finally seem accessible! Thanks to a very simple trick called the snowball effect, you will quickly have more money available in your bank account. Paying off your debts is one of your priorities. This shouldn't stop you from living and enjoying every moment.
You will learn how to make a realistic monthly budget, which will include the payment of your debts to the nearest penny, which will let you know when you will be free of them .
You will then be able to move forward towards all your other life projects. And make each of your dreams come true. Because you will be freed from this financial constraint, everything will seem within your reach. And everything will be easier.
In addition to this, you need to know more about it.
3. BUILD YOUR SAFETY SAVINGS
In addition to this, you need to know more about it.
Many people think that building up security savings is impossible. And that only the richest among us, or the smartest, get there.
Having a reserve of money in case of a hard blow is essential. This savings is like your safety net.
Thanks to her :
- you can replace or have repaired a broken down household appliance, without having to wait for the next few months or take out a consumer credit
- you will no longer fear the garage mechanic's bill, and your car will be in better condition
- you will sleep much better. Because you will know that if a big glitch happens to you (like a job loss or a big drop in income, for example), you can dip into this security savings to pay your bills.
- you will be more relaxed and smiling because you will no longer have to worry about money
- you will more easily find viable solutions in the long term
- you will no longer be stressed or anxious about going to the bank or talking about money with others
In addition to this, you need to know more about it.
4. START BUILDING YOUR FINANCIAL WEALTH
In addition to this, you need to know more about it.
We all dream of it! Everyone dreams of having their own heritage. Whether it's your own home, real estate, stocks, a functioning business or a pine forest all to yourself, we all dream of having a heritage.
And it is in the second part of the book " NO MORE DEBTS! 12 actions to take back control of your finances " that you will learn that it is within the reach of everyone. You will also know how to start building your own wealth.
In addition to this, you need to know more about it.
NO MORE DEBTS!
12 actions to get your finances back in hand
A detailed book, designed in 3 parts to help you free yourself from your debts, step by step.
In addition to this, you need to know more about it.
Because there are things that matter so much more than bills and time can't be bought, don't spend yours worrying about money anymore.
Set up simple and effective actions, free yourself from financial constraints
and enjoy what really matters
for you.
In addition to this, you need to know more about it.
Learn How To Make Money A Tool
to get and create whatever you dream of.
Become financially independent.
In addition to this, you need to know more about it.
In addition to this, you need to know more about it.
In addition to this, you need to know more about it.
A BOOK IN 3 PARTS
PART ONE:
In addition to this, you need to know more about it.
- Learn how to manage your budget well thanks to the 12 actions
- Learn from many tips and advice from my own experience
- Familiarize yourself with the management of your accounts, thanks to the exercises
- A simplified vocabulary to help you understand the main principles of basic accounting
In addition to this, you need to know more about it.
SECOND PART:
In addition to this, you need to know more about it.
- There is life after debt: it's up to you to build your own
- Complete, clear and detailed information
- avenues for reflection to, among other things, no longer feel guilty, define your goals and achieve them, take care of your investments
- start building your financial wealth
In addition to this, you need to know more about it.
PART THREE:
In addition to this, you need to know more about it.
- 12 MONTHLY BUDGET sheets (one for each month of the year)
- 4 QUARTERLY BUDGET sheets to take stock, every 3 months
- 1 cleaning plan
- Your visualization plan
In addition to this, you need to know more about it.
NO MORE DEBTS!
12 actions to get your finances back in hand
In addition to this, you need to know more about it.
The perfect book for:
- Finally know where your money goes
- Learn to manage and control your budget
- Take action and see results quickly
- Discover and put into practice tips and tricks
- Improve your relationship with money
- Free yourself from your debts
- Build up security savings
- Stop feeling guilty
- Take a Budget Break to follow your budget
- Learn the terms of basic accounting
- Increase your financial literacy
- Do what's best for you
- Free you from financial constraints
- Start building your own financial wealth
In addition to this, you need to know more about it.
NO MORE DEBTS!
12 actions to get your finances back in hand
€ 32.50
In addition to this, you need to know more about it.
In addition to this, you need to know more about it.
In addition to this, you need to know more about it.
In addition to this, you need to know more about it.
FROM - € 12,000 TO + € 12,000
A few years ago, I was such a single mother in so much debt that I could no longer pay my rent or give my child a simple ride.
I had a very big money problem. In all fairness, I have eaten every other day, had to choose between buying diapers or milk, scraping the bottoms of drawers looking for a little change so I can go shopping.
I couldn't stand being constantly worried about money, not being able to live normally and not being able to please my child.
In addition to this, you need to know more about it.
So I decided to take matters into my own hands. And I implemented actions that allowed me to:
- repay all my debts
- never again be in bank overdraft
- find a new home and furnish it without outside financial help (I didn't need to ask anyone for money, because I had what I needed)
- build up security savings
- pass my driving license
- give me my first car in cash, all at once (and in cash!)
- remarry
- relocate, to a larger accommodation
- and do a lot of other things, each more extraordinary than the next, for example: to become a writer :)
In addition to this, you need to know more about it.
Today, I spend most of my time:
In addition to this, you need to know more about it.
- write books that are published (and so I realize my childhood dream every day)
- enjoy life: my family, play sports, eat, ...
- organize our family trips
In addition to this, you need to know more about it.
NO MORE DEBTS!
12 actions to get your finances back in hand
In addition to this, you need to know more about it.
The opinion of the readers
WHAT IS FINANCIAL AUTONOMY?
"Financial independence is being able to meet your own needs with sufficient financial resources and adequate knowledge of managing personal finances and common assets."
A financially independent person can:
- make a budget
- take stock of your financial situation
- meet his basic needs, that is to say his basic needs and his "extras"
- establish new forecasts based on the changes to be made in her life, whether she is single or in a relationship
- is able to administer and spend his money without the authorization of another person (commonly called a third party ")
In addition to this, you need to know more about it.
Thanks to the book NO MORE DEBTS! you will become a financially independent woman.
