Escape Debt, Ditch the Budget: A Practical Guide to Paying Off Debt and Finding Financial Peace Through Simple Automation and Value-Aligned Choices, No Spreadsheets Required

Does the word “budget” fill you with dread? Are you drowning in debt—student loans, creeping credit card balances, a mortgage that feels like a life sentence—while traditional advice to track every penny leaves you overwhelmed, guilty, and defeated?

You’re not alone. The constant anxiety, the disappearing paychecks, the shame of feeling “bad with money”—it’s exhausting. Conventional budgeting ignores the emotional reality of finances, demanding rigid perfection that rarely works in real life.

Escape Debt, Ditch the Budget by Clara Hayes offers a new way forward. With the revolutionary “Zero Budgeting” system, you’ll learn how to pay off debt and find financial peace without spreadsheets, restrictive categories, or constant money tracking.

Inside, you’ll discover how to:

• Understand your debt without fear or shame • Shift your money mindset and break free from limiting beliefs • Automate essentials and debt payments for effortless progress • Make value-based spending decisions that align with your life goals • Build a personalized debt elimination plan you can actually follow • Navigate setbacks without losing momentum

Say goodbye to budgeting rules that steal your joy and hello to a system designed for real people living real lives.

Stop letting debt control your future. Take back your freedom—and enjoy life while you do it.

© 2025 Dr. Clara Hayes (Hljóðbók): 9798318063749

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Hljóðbók: 4 september 2025