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    Enough! Break the Shackles of Debt.
    Enough! Break the Shackles of Debt.
    Enough! Break the Shackles of Debt.
    Ebook128 pages1 hour

    Enough! Break the Shackles of Debt.

    By Rosemary Monreau

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    About this ebook

    •Do you feel powerless whenever you receive bills?
    •Are you so overwhelmed by debt you feel incapable of breaking free?
    •Did you get caught in the middle of a financial crisis?
    •Is being in debt a regular situation in your life?
    There are no quick fixes but there is a way out. Drawing on personal experience, Rosemary helps you to explore the root causes of your debt, inspires you to take action and gives you keys to succeeding in attaining your own financial freedom. As well as practical steps and manageable goals, Enough! Break the Shackles of Debt includes ‘Time to Reflect’ Bible verses to encourage, renew and refresh your inner person.

    Whatever your situation, it’s time to roll up your sleeves and experience the exhilaration of debt-free living!

    LanguageEnglish
    PublisherRosemary Monreau
    Release dateSep 2, 2020
    Enough! Break the Shackles of Debt.
    Author

    Rosemary Monreau

    I am a freelance writer, speaker, teacher and mentor, at home in Africa, the Americas, and Europe. I obtained my Master in Theology at Regent College in Vancouver, BC, Canada. The rich experiences shared by others have provided platforms for profound discussions and dialogue, with unique opportunities for understanding and respecting cultures and religions alongside my own. I wrote Enough! Break the Shackles of Debt as a result of successfully controlling my own financial struggles and living a life free from debt. I avidly campaign for others to find their way to financial autonomy and freedom.”Through speaking engagements, workshops, and coaching, I help people live out their potential and learn how they can become and remain debt-free.The principles I use are based on biblical values, which can be applied by anyone regardless of their beliefs.

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      Book preview

      Enough! Break the Shackles of Debt. - Rosemary Monreau

      Contents

      Copyright notice

      Preface

      Introduction

      Prologue

      1. Your first step on the road to debt-free living

      2. The second step on the road to debt-free living

      3. Where does personal debt come from?

      4. Attitudes towards money

      5. Interest-free loans – a brief history

      6 .Household debt in Western contries

      7. How bad is your household debt really?

      8. Your journey to freedom

      9. Case study – Olga’s journey

      10. Your right to equitable earning (reversing debt)

      11. Using your spending money wisely

      Epilogue

      Contact information

      Appendix 1 – Worksheets

      Appendix 2 – credit bureaus links and printed forms

      Appendix 3 – forms and letters

      Appendix 4 – decreasing debt pie

      Appendix 5 – funding and relief links

      About the author

      Published by Rosemary Monreau at Smashwords

      Copyright © Rosemary Monreau 2020

      First published 2020

      The right of Rosemary Monreau to be identified as the author of this work has been asserted by her in accordance with the Copyright, Designs and Patents Act 1988.

      Unless otherwise indicated, all Scripture quotations are taken from the ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.

      Scripture quotations marked NLT are taken from the Holy Bible, New Living Translation, copyright ©1996, 2004, 2015 by Tyndale House Foundation. Used by permission of Tyndale House Publishers, a Division of Tyndale House Ministries, Carol Stream, Illinois 60188. All rights reserved.

      Layout, cover design and editing by Helen Jones

      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 book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to your favorite ebook retailer and purchase your own copy. Thank you for respecting the hard work of this author.

      PREFACE

      As I write, we are going through an unprecedented crisis caused by the Coronavirus (or COVID-19, so-named after its starting date). Some countries are still in the throes of this virus. Countries have been on lockdown; shops, services, cultural centres and entertainment were ordered to close. Businesses were told to have their employees, where possible, work from home. People have been furloughed or laid off.

      Our global economy came to a screeching halt. Companies are teetering on the brink of bankruptcy. Some have gone out of business already. Governments have handed out emergency funds and loans in order to keep small businesses afloat and provide financial relief schemes for their citizens.

      The Coronavirus has caused untold suffering and loss of life. Now, little by little, strict distancing and assembly rules are being relaxed. Governments look with trepidation at whether the restrictions have been relaxed too soon and whether the virus pandemic will return with a vengeance.

      Some people were facing debts prior to the crisis; now most people are. Those who were already in debt are crushed under the sheer size of their present, ever increasing debt. Fear has set in for many. How will I pay my rent? How will I cover my mortgage payments? How will I feed my family? These are burning questions for those who have lost their income due to the crisis. There are no easy answers. We do suspect that as businesses start operating again people will get rehired. It will be a slow recovery and not everyone will be working right away.

      Now, more than ever, it is crucial to strategize on getting and staying out of debt. When we are preoccupied with daily survival, it is hard to think straight. It can be helpful, however, to start putting our mind and energy towards rebuilding. It may have a therapeutic effect and help focus our minds on better times ahead. By working out possible solutions, even if they are still in the future, we are in a better position to get out of debt quicker than when we wait for circumstances to force decisions on us. By being proactive, we avoid the victim trap or self-pity, which only make us more desperate.

      One thing I’d like us to stop – right now – is accepting this awful, unhelpful and false motto: This is the new normal. NO! There is no such thing as a new normal. Yes, we are going through some tough, painful times; yet, these too, shall pass. Yes, things may not be quite the same as before but there will be a return to normalcy. What we can do, is improve our lives, and that of our loved ones, once the worst of this crisis has passed. It is up to us to take the proverbial bull by the horns, and use our incredible minds to recreate, renew and rebuild. Getting out of debt is key. Imagine if after the Great Depression people had accepted the situation as The new normal! People would never have got out of that Great Depression with such a mindset. Maybe we should counter these glib sayings with our own. For instance, we could name it, Creating my new future, Improving on the previous NORMal. It is insidious, what those defeatist sayings do to our subconscious. We must resist them at all costs! "As s/he thinks within him/herself, / so s/he is". If you are a Christian reading this, know that you have empowering sayings coming straight out of Jesus’ mouth. Now is the time to take them at face value.

      For those who are in debt for the first time, due to loss of employment or income, the road will be easier to travel and the debt-free outcome more attainable. For those who are devastated by debt upon debt, the road will be harder. Nonetheless, a debt-free life will be achievable; it may take just a little longer and it will take an absolute desire to be and stay debt-free.

      There are three things that each one of us has to do:

      Don’t give up!

      Don’t give up!

      Don’t give up!

      Corona Pandemic Fallout Preamble

      If you belong to the many who found themselves unemployed from one day to the next, due to the Coronavirus, you are probably still in shock and scrambling around trying to figure out how to keep it all together.

      Depending on how quickly you can get back to work or find work, you will have to be twice as careful to keep afloat, without resorting to maxing out your credit card(s).

      You might be tempted to panic buy the basic necessities for you and your family. You may experience a period of depression and absolute powerlessness, which can be very debilitating. Allow the emotions to wash over you: acknowledge the pain, anger, fear, frustration, and whatever other sensation well up. Whatever your situation, you will need to stay strong. Know that this too shall pass; as trite as this may sound, it will pass, even if you and your family have to go through extreme times. Keep your eyes focused on just one task, one issue at hand. Be prepared for the long-haul. This situation will take time.

      Research all federal, state/provincial COVID-19 relief programs, where you might qualify for financial support. Look at what is available in your county, district and city. Tap into support groups and associations that may have sprung up during this pandemic. Look at what local banks, taxation agencies and lending organizations are offering, as temporary extensions and relief measures. Check the barter section in this workbook to tide you over (See Building Block 7).

      If you are a Christian, now is the time to grow your faith. Be promise-oriented and not problem-oriented. The Lord promised to be by your side – He didn’t, however, promise a life without challenges and difficult moments.

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