Table of Contents
Introduction 10
Chapter 1 Facing the Fears and Finding the Facts 13
Chapter Worksheets
Financial Fears Inventory 28
Separate Feelings, Thoughts, Facts, and Actions 30
Chapter 2 Beginning with Your Starting Point 33
Chapter Worksheets
Ongoing Crisis Costs 48
Current Cash Flow 50
Debt Table 52
Know Your Net Worth 54
Chapter 3 Creating a Plan to Move through the Crisis 57
Chapter Worksheets
Expense Priority 75
Cash Resources 78
Periodic Expenses Calendar 80
Crisis Financial Goals 82
Long-Term Debt Management 84
Short-Term Crisis Budget 86
Savings Management 88
Chapter 4 Finding Ways to Bring in or Free up More Money 91
Chapter Worksheets
Skills Inventory 116
Networking Contacts Inventory 118
Hidden Cash Resources 120
Items to Sell 122
Retirement Withdrawal Plans 124
Estimated Taxes 128
How Much Should I Borrow? 132
Resources for Aid Checklist 134
Chapter 5 Reducing Money Going Out 137
Chapter Worksheets
Prioritize Monthly Bills 178
Paying Monthly Bills Calendar 180
Hidden Expenses Checklist 181
Expenses to Cut 182
Should You Consider Bankruptcy? 183
Working with Creditors Log 184
Credit Card Rewards Deals 186
Chapter 6 Getting Back on Track and Fortifying Your Finances 189
Chapter Worksheets
Restoring Your Credit Score 209
Recovery Budget 212
Build Up Emergency Savings 214
Retirement Savings Needs 216
Money In, Money Out 218
Accelerated Debt Repayment 219
Debt Paydown Table 220
New and Revised Goals 224
Conclusion: Taking Stock and Moving Forward 227
Resources 231
Index 234
