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Say Yes to No Debt: 12 Steps to Financial Freedom

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The founder of the dfree™ movement's twelve attainable steps to financial freedom.

This book is not just another financial literacy program that assumes that all people need is information. Drawing on his personal experience and years as a pastor, public policy maker, and community leader, DeForest "Buster" Soaries, Jr. shares a groundbreaking, life-changing approach to financial wellness that views financial bondage as an emotional, spiritual, and psychological problem.

The dfree™ movement provides twelve easy, attainable steps to help

Get started on your debt by admitting the problem, addressing the mess, and adjusting your attitudeGet control by creating a spending plan, becoming accountable, and setting goalsGet ahead by building wealth, planning your will and estate, and celebrating your successAnd give back by investing in others, through tithing, mentoring, and leading your own dfree™ movementIf you want to live a debt-free life with the financial freedom to travel, purchase a home within your means, and enjoy retirement without the burden of pay excess monthly bills, then this book is for you.

Eliminating debt is the first step toward financial freedom. And YOU can do it.

207 pages, Kindle Edition

First published September 29, 2013

88 people are currently reading
82 people want to read

About the author

DeForest B. Soaries Jr.

14 books3 followers

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5 stars
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13 (20%)
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16 (24%)
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7 (10%)
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Displaying 1 - 5 of 5 reviews
Profile Image for Courtney Grayton.
1 review
May 31, 2018
Loved this book and its biblical take on money. Definitely changed my mindset about managing my funds. 👏🏾
Profile Image for Johanna.
24 reviews
June 3, 2025
I love how this personal finance book is Bible based.
Profile Image for Catherine Flynn.
161 reviews1 follower
July 31, 2022
This book is a practical, and easy read. I already learned about paying off debt through Dave Ramsey and this book was quite similar in terms of practicality. First half of the book is a great read, however coming to its end of this, it talks more about his program. I guess it's good for people but for me I'm not really wanting it. I just want to learn what needs to get done to get out of debt. It doesn't for me didn't teach it thoroughly. However I'd say I like how the boom suggested about accountability. Still would recommend this book.
Profile Image for Rockelle Henderson.
2 reviews
November 21, 2015
This program changed my life 10 years ago. I'm very happy to see the book updated for a new audience this year.
Profile Image for Evonne Jenkins.
2 reviews1 follower
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September 30, 2018
Ready to be dFree

I am excited to embark on the dFree challenge with my chapter and sorority. The book is a quick, easy, and informative read.
Displaying 1 - 5 of 5 reviews

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