This workbook is designed for you to use as a companion to my book, dfree®: Breaking Free from Financial Slavery. I am thrilled you have decided to join me in a personal journey to financial freedom. The 12 steps I describe in this workbook represent the same 12 steps I took many years ago to address my personal financial situation. It ...
This workbook is designed for you to use as a companion to my book, dfree®: Breaking Free from Financial Slavery. I am thrilled you have decided to join me in a personal journey to financial freedom. The 12 steps I describe in this workbook represent the same 12 steps I took many years ago to address my personal financial situation. It is an honor to share my story and my strategy with you.
Because we live in a consumer-driven culture, it is imperative that Christian consumers have the knowledge and support needed to be healthy and mature consumers. Fortunately, you recognize that you could use some help in the area of personal finance. I am thrilled to take this journey with you and offer you the tools needed.
And that is what this workbook is — a tool. My goal is that you will discover more about yourself than you do about money by the time you complete this experience. That is why I call it the dfree® lifestyle. I never learned to manage money. What I did learn was to manage my life and then use money to reach my goals. That is what this workbook is designed to help you accomplish also. I created and started using the term “dfree®” in 2005 when I began helping people address and conquer the greatest barrier to stress-free living and wealth creation: personal debt.
The principles dfree® represents are very simple:
No debt: Pay as we go — use cash and debit cards rather than credit cards. Live without debt.
No delinquencies: Pay bills on time — avoid late payments and late fees.
No deficits: Live below our means — spend less than we earn.
These three principles translate into financial wellness and the money we “find” creates a path toward wealth creation. The results of the dfree® lifestyle will actually surprise you! I have seen thousands of people change their lives and their families’ futures when they “Say Yes to No Debt.” And it gets easier as the journey unfolds!
Our motto is “Say Yes to No Debt.” Our foundational Bible verse is Proverbs 22:7 (NIV): “The rich rule over the poor; and the borrower is slave to the lender.”
Of course, the dfree® lifestyle is easier said than done. Achievement of dfree® goals has less to do with information and more to do with your values, habits, attitudes, perspectives, and relationships. So here we go: from debt, delinquencies, and deficits to making Deposits into our own accounts, having Deeds for real estate, and earning Dividends from investments!
In 2005, Dr. DeForest B. Soaries began a ministry at the First Baptist Church of Lincoln Gardens in Somerset, NJ, designed to help church members eliminate their debt, pay their bills on time, and live within their means. After five years of using the dfree® strategy to motivate families to use resources that facilitate financial freedom, Dr. Soaries began sharing this strategy throughout the country. The goal is to help one million families live a debt-free lifestyle.
The dfree® strategy was designed as a response to our culture of debt. It provides tools and resources to help individuals and families become financially free. It is a holistic strategy that makes it popular to pursue economic freedom.
dfree® is a grass roots strategy that mobilizes people to use existing resources for managing and using money. It is delivered through education, celebration, and support. It is implemented by churches, organizations, and ordinary people with their friends.
A dfree® lifestyle gives us peace of mind, economic power and most of all, it allows us the opportunity to focus on life’s real purpose and achievement of dreams without the distraction and burden of bills and debt.
In October 2012, the dfree® Billion Dollar Challenge was launched. The goal of this Challenge is to pay down one billion dollars of consumer debt.