Contents

If you don’t change direction you will end up…
exactly where you are now only older!!! ...........................8
A debt by any other name smells just as rotten............... 11
The Eighth Wonder of the World.................................... 14
WHY do we hate Monday Mornings?............................... 18
Step One: Interest Rates and Payments ........................ 20
Janet and John Income Summary .................................. 22
Janet and John Expenditure........................................... 23
Janet and John Debt Summary ...................................... 24
Updated Debt Summary ................................................ 31
Look at the Debt Summary NOW.................................... 33
Step One: Checklist...................................................... 35
Step Two: Maximising your Income............................... 38
Just for FUN!! Let’s see what it would take for
Janet and John to pay off their mortgage in 2 Years!! ..... 48
Updated Debt Summary ................................................ 49
Review….. Review….. Review......................................... 56
Step Three: Generating Wealth..................................... 59
Appendix A – Income/Expenditure Summary................... 64
Appendix B – Debt Summary ......................................... 66