Q: How hard is it to do what the book recommends?

• A: It will be as easy or as hard as you decide to make it. Remember to try one thing at a time. Even if you are the type that gets into new ideas or concepts passionately, try one thing at a time. After that is working for you, try the next one thing.Have patience with yourself and with those around you. It didn’t take you a little while to get into your situation. It’ll probably take you a little longer to get you out of it.

Q: I’m already in debt! Why should I spend money on your information?

• A: If my concepts and philosophies don’t make a change in at least one of your POOR spending habits, return it for a FULL refund. No questions asked, no pro-rated reduction in the price or shipping expense.

Q: Do I have to do a budget?

• A: Not necessarily. We believe awareness of when and where you spend is more important than the budget itself. Budgets are like diets, they tell us what we can’t do. Some people call raising their awareness, as suggested, a value based budget. If you like budgets, by all means make and follow one.

Q: Will my credit rating go way down if I do this?

• A: If you’re going to get out of debt for good, you’ll only need future credit for a home and maybe a vehicle. Someone has you thinking this credit score is a BIG DEAL. The only one who cares about your score is you. For awhile your rating may tank. Boo-hoo. Grow up and get over it. You’re probably going to go deeper into debt before you get out of debt, too. So many have done this before you. Don’t make any more excuses. You’ll still be alive when it’s all done. I did it. You can, too. You’ll be much happier you did it now, instead of waiting five or even ten more years.

Q: How long will this take?

• A: Depends on your situation and how aggressive you approach your challenge. It took us just under four years. The first few months, the only improvements were not going any deeper in debt. The last few months, we were applying over a thousand dollars a month toward the back debt to finish paying it off. In the middle and at the end, paying the debt off almost took on a life of its own. It was like succeeding at something we’d never known we could achieve. The closer we got, the easier it was to see ourselves being debt-free. I hope you get to experience that feeling, too.

Q: Does No Balance Due suggest we get rid of all our credit cards? How will we live?

• A: No Balance Due in your life will probably require a period of time learning about how and where you spend. It may require you get rid of the revolving credit accounts during the process. Misuse of those accounts is the most probable cause of your financial situation. Going without them might be a real eye-opener for you. You’ll live through it, as so many others have. It’ll be an adventure you’ll be so happy you took. If you decide you aren’t going to consider such a course of action, maybe you’ll remember the phrase No Balance Due when you are ready. You could still buy the book and think about what it might take to be debt-free. In reality, you’re probably not ready.

Q: What will my friends think?

• A: Most of my old friends are still going around and around on that circular path. Many are still working for someone else. Paying payments on the stuff they bought long ago. Keeping up with and impressing people they don’t really even know. The people who are making their payments on their stuff they bought to impress everybody else. Debt-free brought about new friends who don’t care about that. I don’t work for someone else. My new friends don’t either. I don’t buy stuff to impress anyone anymore. My new friends don’t either. No Balance Due gave me the time and opportunity to write the book, to make this web page and to go around speaking about being debt-free.

Will you be like my old friends or will you, like me, be doing what you want twenty-years from now?