7 Rules, 34
7 tools, 147
10-10-80, 87
AnnualCreditReport.com, 116
anticipate 94
attitude, 41, 65, 77
automate, 73, 107
automatic payments, 107
automatic savings, 73
automobile debt, 142
Baby Boomers, 129
bank, internet, 72
bankruptcy, 123, 138
bills, essential, 176
borrowing money, 128
borrowing, safe guidelines, 133
business account, separate, 161
Cheapskate Monthly, 184
clean sweep, 36
Clear Checkbook, 109
compounding, 47
contentment, 55, 82
Contingency Fund, 70
CRA, 114
creditworthiness, 112
credit, high cost of poor, 121
credit card, 67
as a tool, 125
fees, 19
credit card debt, 141
average household, 19
outstanding, 19
credit rating, 112
credit report, 114, 115
credit reporting agency, 114
credit score, 114,
culture, seductive, 52
Daffodil Garden, 191
debt, credit card, 19, 141
debt, Scripture on, 143
debt, three categories of, 132
debt, trouble with, 128
Debt-Proof Living, 31, 41, 58, 70, 153, 166, 185
debts, nonessential, 177
Diners Club Charge Card, 67
emergency fund, 74, 77
endurance, 146
entitlement, attitudes of, 50
envelopes, 106,
Equifax, 114,
expenses, irregular, 95-98,
Experian, 114
FDIC-insured accounts, 71
fear, 63, 64
FICO Score, 117
how to kill, 122
improve, 123
what’s in it? 118
financial freedom, 48, 77
financial ignorance, high cost, 17
financial intelligence, 33
flowchart, pocket quiz, 57
foreclosure, 123
Freedom Account, 184
gap between income and spending, 47
how to widen, 58
generosity, 85
give, how much? 86
giving, power in, 90
Great Recession, 127, 134
greed, 63, 81, 82, 85, 91
habit, 87
hardship, financial, 65
Harvard Business School, 18
HEL, 135
Home Budget Calculator, 108
home equity loans, 135
home mortgage debt, 134
home sizes, 51
housing crash, 134
income and expenses, 42
income, household median, 20
INGDirect, 73
investment income, 48
Jumpstart Coalition, 17
Los Angeles Times, 183
manager, money, 94
margin, 40, 65, 77
MasterCard, 83, 99
Mint, 109
Mvelopes Personal, 108
MyFico.com, 117
needs vs. wants, 49
New York Times, 53
online bill pay, 107
online savings account, 71
Orange Savings Account, 73
overspending, 46
pad account, 108
paycheck to paycheck, 19, 40
Pear Budget, 109
Quick & Easy Budget Kit CD, 109
Raising Financially Confident Kids, 84
Rapid Debt-Repayment Calculator, 153, 166, 170
Rapid Debt-Repayment Plan (RDRP), 167
example of, 171
rules of, 168
real estate housing crash, 134
recovery, quick-start, 61
retirement accounts, 69
return on investment, 47
risk-based pricing, 113
savings, long-term, 69
savings, ways to jumpstart, 78
self-employed, 155
self-reliance, 66
self-storage industry, 52
spend-free day, 59
Spending Plan, 100-105,
Spending Plan, Monthly form, 110
student debt, 138
student loan debt, amount outstanding, 19
Student Loans Occupation Handbook, 139
survival, 146
survival instinct, 67
tax-advantaged accounts, 69
TransUnion, 114
utilization rate, 119, 172
Visa, 83, 99
Wall Street, 82