In June of 1976 I accepted Jesus as Savor. In September of that year I attended a church service pastored by Tim LaHaye, co-arthor of Left Behind Series. His sermon was entitled "Owe no man anything". At the time I was 34 years old and single. I owed about ten thousand dollars in unsecured debt. I decided to try Tim's advice and pay off all debt. By September of 1777 I was debt free for the first time in my adult life. Within 4 months I went from zero to $42,000.00 in the bank and within 2 years to $150,000.00. It does work!!   Resources for Avoiding Financial Frustration - Just click to download. Instructions for Excel Budget Worksheets (PDF) Monthly Budget Worksheets (Excel Spreadsheet) Annual Budget Worksheets (Excel Spreadsheet) Financial Statement Worksheet (PDF) List of Debts Worksheet (PDF) Budget Worksheet (PDF) Guidelines for Single Adult (PDF) Guidelines for Single Parent (PDF) Guidelines for Family of Two (PDF) Guidelines for Family of Four (PDF) Guidelines for Family of Six (PDF) Compounding 10% (PDF) Compounding 12% (PDF) Resources (PDF)