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 UAE How credit cards perpetuated her overspending and how she turned it around How mindset change became the foundation of her debt-free journey This 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 freedom Change how you use your credit card to your advantage Travel without worrying about debt Pay for insurance premiums with ease Save for a home or car deposit without feeling deprived If 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 debts Leverage a personal loan to build an income-producing asset Prepare for a mortgage or car financing Build sinking funds for travel, rent, emergency fund, gifts, and other big recurring expenses Analyse your expenses and remove "expense bloaters" Adopt a zero-based budgeting scheme for you and your household Avoid get-rich-quick schemes that can leave you even more in debt This book is a must-read for anyone looking to take control of their finances and become debt-free.