dfree Breaking Free From Financial Slavery Wkbk 2nd Ed.

“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.” So says author Dr. DeForest B. Soaries, Jr., who shares vital keys to debt-free living in Say Yes to No Debt: 12 Steps to Financial Freedom, his book that features a ground-breaking, life-changing approach to debt elimination.

The principles that dfree® promotes 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. 

According to Dr. Soaries: “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 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.” As the Senior Pastor of First Baptist Church of Lincoln Gardens in Somerset, New Jersey, Dr. Soaries fittingly cites Proverbs 22:7 as a foundational Bible verse: “The rich rule over the poor, and the borrower is slave to the lender.”