Twenty Three & Debt Free: 50 Practical Tips to Set You Financially Free

"When I sit down and talk with people about their finances, the most common response I hear is: 'Oh, our finances are pretty good. We don't have a ton of debt and our bills are always paid. Our credit score is great and we feel like we are doing things right, but we just aren't getting much traction.' As with most financial situations, the problem often isn't with the set expenses such as rent or electricity. It is with the expandable necessities such as food, clothing, and transportation." Annika, Financial Coach and Author of 23 & Debt Free

How can you make traction? What expense(s) is consuming your paycheck? What can be done to allow you to take control of your finances? How can you achieve financial freedom? You might have thought about these questions or even fought with your spouse over them. We have With almost $100,000 in debt and a baby on the way, Annika and her husband knew they needed to find a way to reign in their home expenses and pay off their debt. In 23 & Debt Free, Annika tells the story of their debt-free journey including tips and insight on how to cut costs. From shopping around for the best deal to completing home repairs yourself, these tips are not difficult but they will give you the tools to change your everyday behavior in order to achieve financial freedom.

Author: Annika Joy Caldwell, W. Logan Caldwell
Publisher: 23 & Debt Free
Published: 10/01/2018
Pages: 208
Binding Type: Hardcover
Weight: 0.96lbs
Size: 9.00h x 6.00w x 0.50d
ISBN: 9780692163771

About the Author
Caldwell, Annika Joy: - Since marrying her husband in 2014, Annika has enjoyed taking on the roles of wife and mom. Annika primarily spends her days as a stay-at-home mom, or domestic engineer as her husband calls her, caring for the couple's two little girls. She has been actively involved in their family's church, helping to coordinate Financial Peace University classes and leading a small group of junior high and high school aged girls. She also enjoys being involved as an alumnus at the University of Jamestown. In her free time, she can be found playing piano or getting creative in her craft room. Annika began 23 & Debt Free in 2017 when she felt God nudging her to share their family's story of becoming debt free. What began as a simple Facebook page to share tips has expanded to a growing business that continues to reach more people each day. From social media live videos to serving as a keynote speaker, Annika feels passionate about sharing their story and teaching people, young and old, about achieving financial freedom.