Would you read this book?
It is a book about a couple who started their marriage by having to get a $7,500 loan just to check out of the hotel on their honeymoon. Their lives spiralled downhill into a spending frenzy, including a time when they were homeless. They woke up a few years later with $108,000 of consumer debt only to discover they were going to be parents for the first time after dealing with years of infertility.
Something needed to change as they were on the edge of bankruptcy, 60-120 days late on every bill, paying a ghastly amount of interest each month, and creditors calling around the clock. They paid such a jaw-dropping amount of interest each month (just the interest payments, not principal balances) translating into FOUR FIGURES of interest each month with SIX FIGURES of total consumer debt. This was NOT including any mortgage payments. It was all STUPID debt.
This couple started to work on paying down that debt, struggling for 3.5 years, following the “sacrifice and slash for time and then live life again” plans. Falling off the bandwagon time and time again with an unrealistic expectation and lifestyle, only to find that the heart of their issues were not changed, but rather just doing things in the immediate for immediate success, not life-long success.
After only paying off $15K in 3.5 years,
something had to change.
The couple realized even that normal “crash diet” approach to dumping debt wasn’t the answer. And they started to find a way – a sustainable way – to pay off their debts using small gradual change. They found that by implementing a baby step approach that huge change would result – and HUGE meaning finding a way to pay off the remaining $90K of debt in three years with the end result of a gradual lifestyle change that paved the way for a successful future, including paying cash for cars, solar panels and vacations too.
And as they found success each step of the way it dawned on them what they were doing as they set scalable, realistic goals each month based on a percentage. Those baby steps became the 2% Rule that defined their finances and now other areas of life as well. And now they want to share it with the world – because they know from their pain and experiences that there really is light at the end of the tunnel – no matter whether you can see it or not.
This is what financial health means to us:
meeting financial goals in a realistic and sustainable way!
Do you know who this story is about?
This is the story of us: Alex and Cassie Michael, a.k.a. The Thrifty Couple, formerly The UnThrifty Couple.
This is our true financial story, nearly being on our financial death beds and finding a way out that is sustainable and real. A way that led us to living a financially free life today by following this simple 2% Rule.
Did you know that this was our past? Did you know that we nearly lost everything? Did you know that we were in the lowest of low financial points that one could be in? Did you know that we found a way out and once we found it…we got out in 3 years?
That is why TheThriftyCouple.com site exists! It is why we do what we do. And that’s why we wrote this book.
We know the pain and misery that much debt can cause to you and your family. We know how money troubles can strain a marriage, blaming one another for the troubles you are in, and how through not communicating the pain grows larger and deeper.
We know the fear that builds up when the phone rings at night when you can’t answer the phone because you just don’t know what to tell the creditor when they ask for a payment on your past due bill – right now!
We remember looking at each other and wondering out loud if we would ever get out.
We wrote this book to share that we’ve been there, we found a way out, and can guide you through the exact steps we used to get out.
Our manuscript was turned in at the beginning of the year. It has been an amazing project and life-long goal. The reality of it draws nearer every day.
The release date is October 24, 2017.
It is on Amazon.com, Barnes&Noble.com and IndieBound.com for pre-order. It is real!
Maybe you understand our story too well. Maybe you’ve been fortunate and wise enough to not get as deep into debt as we were. Maybe you’ve never been in debt. The best part of this is that our 2% Rule will work for any financial situation to help you make gradual change to reach all your financial goals.
Every time I read this Epilogue at the end of the book, I cry! An amazing ending to a nearly tragic story.
So let us ask again – would you read this book?
We hope you will. And we hope it blesses you and your family and helps you to reach goals that seem unattainable today, but will shortly become your reality.
Join us and become part of the 2%!
Victoria Dailey
I want you to read this book!
Jeannie robb
It would be VERRY HELPFUL if you had a SEARCH AREA!! I’ve been read your sight for 3 hrs I REALLY LIKE IT & im betting on it being part of my future to get my crap together!! I’m 75yrs YOUNG its about time!!!
However one of the first articles I read & copied I can’t find now! I’ve tried my history ,starting at the same place I stared this AM ect. I’m looking for “BE INTENTIONAL BABY STEP- Create weekly TO-do list with free plann. How can I find it again?
THANK YOU FOR YOUR QUICK RESPONSE!!!
Jeannie
Hollie Hewitt
Unbelievable, I would love to read this book! I don’t know if you would agree with me or not, but there are people who save money not because they are forced to do it by some circumstance in life, but because they enjoy doing it. They are fascinated by the process itself: not splurging, living within their means. The virtue of thrift has been prized since the days of Socrates and Plato, who glorified the principle of the “golden mean” between reckless consumption and excessive accumulation. In the Book of Solomon’s Proverbs and in the teachings of Christ, the ability to be content with little is the condition for a rich spiritual life. The main thing is not to upset the balance, not to turn to stinginess and greed. Now it may seem strange to many that I am familiar with the writings of Plato or Socrates, but I will try to explain. I work for a writing company and do college paper writing at https://writemypapers4me.net/pay-for-research-paper/, so I have to read a lot. Up until a couple of centuries ago, most people knew how to get the most out of their environment with the least amount of money by adhering to conservative economic views. With the advent of the age of consumption, when temptations, shouting advertising, and the availability of online shopping are all around, the concept of frugality has receded into the background and has even taken on a negative connotation.