Becoming Debt-free

Is this the year you're finally going to be consumer debt-free?Does lifestyle creep keep stealing your salary increase?Does FOMO keep throwing a curveball at your budget?Don't worry, there's hope!In this part-memoir, part-how to, the author shares:How she eradicated consumer debts at 27 as an expatriate in the UAEHow credit cards perpetuated her overspending and how she turned it aroundHow mindset change became the foundation of her debt-free journeyThis book takes a light-hearted approach to personal finance, making it a fun and enjoyable read.As a self-professed personal finance geek, Rian gives insight on how to:Become debt-free and achieve financial freedomChange how you use your credit card to your advantageTravel without worrying about debtPay for insurance premiums with easeSave for a home or car deposit without feeling deprivedIf you've tried eliminating all your debts before but found yourself buried in them again, Rian will walk you through simple yet effective practices that will help you:Pay and close your multiple credit card debtsLeverage a personal loan to build an income-producing assetPrepare for a mortgage or car financingBuild sinking funds for travel, rent, emergency fund, gifts, and other big recurring expensesAnalyse your expenses and remove "expense bloaters"Adopt a zero-based budgeting scheme for you and your householdAvoid get-rich-quick schemes that can leave you even more in debtThis book is a must-read for anyone looking to take control of their finances and become debt-free.