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    Allen Carr's Get Out of Debt Now: The Easy Way
    Allen Carr's Get Out of Debt Now: The Easy Way
    Allen Carr's Get Out of Debt Now: The Easy Way
    Ebook245 pages3 hours

    Allen Carr's Get Out of Debt Now: The Easy Way

    By Allen Carr

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    About this ebook

    The Easyway method requires no willpower or sacrifice. Clear your debts while buying everything you need to lead a rich and fulfilling life.

    Get Out of Debt Now applies the world-famous Allen Carr's Easyway method to the problems of over-spending and debt. It removes the desire to over-spend, so that you are able to live within your means without feeling deprived. It then sets out a simple, easy-to-follow guidance on how to clear the debts you have accumulated.

    Full of practical advice on how to use your funds in the most effective way possible in order to get the most out of life, this book can enable anyone to escape the misery of debt and rediscover the joy of being free from money worries.

    What the media say about Allen Carr's Easyway:

    'I was exhilarated by a new sense of freedom.'
    The Independent

    'A different approach. A stunning success.'
    The Sun

    'Allow Allen Carr to help you escape painlessly today.'
    The Observer

    LanguageEnglish
    PublisherArcturus Publishing
    Release dateNov 8, 2012
    ISBN9781782123613
    Allen Carr's Get Out of Debt Now: The Easy Way
    Author

    Allen Carr

    Allen Carr (1934-2006) was a chain-smoker for over 30 years. In 1983, after countless failed attempts to quit, he went from 100 cigarettes a day to zero without suffering withdrawal pangs, without using willpower and without gaining weight. He realised that he had discovered what the world had been waiting for - the Easy Way to Stop Smoking - and embarked on a mission to help cure the world's smokers. Easyway has grown to become a global phenomenon with seminar centres in 150+ cities in more than 50 countries around the world. Allen Carr's Easyway books, online video programmes, and live group seminars have helped an estimated 50 million smokers worldwide. A vast majority of those happy non-smokers became aware of the method as a result of personal recommendation from their friends, family, and colleagues. Allen Carr is now recognised as the world's leading expert on helping smokers to quit and has sold over 16 million books on the topic. His Easyway method has been successfully applied to a host of issues including weight control, alcohol and other addictions and fears. In 2006, Allen was diagnosed with lung cancer and passed away that November handing responsibility for Easyway over to his closest and most trusted colleagues.

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      Allen Carr's Get Out of Debt Now - Allen Carr

      INTRODUCTION

      ‘Home life ceases to be free and beautiful as soon as it is founded on borrowing and debt.’

      Henrik Ibsen

      Anyone who has been trapped in debt will know how it can quickly turn us from happy, confident, positive people into miserable, insecure wrecks. Money wields tremendous power and when you find yourself on the wrong end of that power it can be very intimidating.

      One of the reasons why so many people remain in debt is that we are led to believe there is only one way out: the hard way. We’ve been given the impression that it can’t be done without suffering and deprivation and the way governments have recently gone about trying to tackle their own debt crises has reinforced this fear. But I have good news for you, there is another way.

      In 1989 I had a remarkable experience. I went to Allen Carr’s clinic in the hope that he could help me stop smoking and to my amazement I succeeded easily, painlessly and permanently. It was a completely different experience to my previous attempts to quit by using willpower and nicotine gum. This time I had no desire to smoke so didn’t need willpower. I immediately started enjoying social occasions more and handling stress better. There was no feeling of deprivation, instead I felt hugely relieved and elated that I was finally free. I was so impressed with Allen Carr’s method that I wrote to him asking if I could join his mission to cure the world of smoking. I was lucky enough to be accepted, and even luckier later to be appointed Managing Director of the company formed to spread the method all over the world.

      Today over 400,000 people have visited our clinics in more than 45 countries around the world, and Allen Carr’s books have sold over 14 million copies, been translated into more than 40 languages and read by an estimated 30-40 million people. This phenomenal success has been achieved through the personal recommendations of the millions of people who, like me, have succeeded with the method. Allen Carr’s Easyway has spread all over the world for one reason alone: BECAUSE IT WORKS.

      Before I fell into the nicotine trap, I already had another problem. I was overweight. Until the age of 35 I fought a continuous battle to keep my weight down, trying all sorts of diets and constantly using willpower. For over 20 years my weight went up and down depending on whether I was following a diet or indulging myself. I was so unhappy with my body and so miserable that I couldn’t solve the problem that it eventually affected me psychologically and I suffered from various eating disorders. That all changed when Allen showed me his first draft of Allen Carr’s Easyweigh to Lose Weight and I realised he had found the solution to the problem that had plagued my whole life. As I read through the text, I found the powerful logic irrefutable. By the end, I knew that my weight problem was solved.

      Until then I had been unsure whether Allen’s method could be successfully applied to problems beyond the obvious addictions: smoking, alcoholism, drug abuse. Now I had no doubts.

      Get Out of Debt Now applies Allen Carr’s Easyway method to one of the most widespread problems of all. Like smoking, alcoholism and over-eating, debt can have a devastating effect on our life and personality. It can destroy our self-confidence and make us defensive, secretive and hard to reach. Enslaved by debt, we withdraw into our own private world of suffering and we fear that escape is impossible. Ironically, while millions of people are experiencing the same misery all around us, we feel as if we’re alone.

      Get Out of Debt Now is the key that will set you free from this prison. It will strip away all the illusions and fears that are preventing you from escaping the trap and completely change your mindset, so that you will be able to look forward to enjoying the rest of your life free from the debilitating burden of financial stress.

      Regardless of how much money you have, not owing anything to your bank, the credit cards companies, loan sharks or your family or friends will bring you a marvellous sense of wellbeing. Once you are in the right frame of mind, following the practical steps set out in this book to solve your problem will become easy.

      Get Out of Debt Now presents Allen Carr’s Easyway method in a new, highly accessible format and it will help you to escape the misery of debt without suffering and without sacrifice.

      Allen Carr’s Easyway can transform your life in the same fantastic way that it has transformed mine.

      Robin Hayley M.A. (Oxon), M.B.A., M.A.A.C.T.I.

      Managing Director, Allen Carr’s Easyway (International) Ltd

      CHAPTER 1

      THE KEY

      IN THIS CHAPTER

      • THE AIM OF THIS BOOK

      • A PRIVATE MATTER

      • ADDICTION AND THE ALLEN CARR METHOD

      • YOU ARE NOT ALONE

      • THE DESIRE TO OVER-SPEND

      • HAPPINESS STARTS HERE

      Buy everything you need and lead a rich and fulfilling life, while clearing all your debts and rebuilding your relationships, without using willpower or feeling any sense of deprivation or sacrifice.

      Does that strike you as an impossible dream? I promise you it is achievable, regardless of who you are or your personal circumstances. All you need is an open mind.

      By reading this book, you will discover a wonderful new life that will bring you a sense of wellbeing that you had forgotten even existed. You will regain control over your finances, you will derive genuine pleasure from the money you spend and you will be free from the crippling worry of debt. And what’s more, you’ll find it easy.

      Perhaps that sounds just too good to be true. Perhaps it contradicts everything you’ve ever been told up until now about money and debt. But has what you’ve been told before actually worked for you? If it had, you wouldn’t be reading this book.

      There’s no need for you to be miserable. On the contrary, the main aim of this book is to help you escape the misery of debt and regain the happiness of being free from financial anxiety. There’s nothing wrong with spending money provided you are the one in control. Right now, you are not in control and your spending is dragging you deeper and deeper into misery.

      A PRIVATE MATTER

      Debt is a very lonely condition. It can afflict anyone – jobless or high earner, young or old. Although millions of people are suffering the misery of debt right now, the feeling is one of isolation.

      No one likes to talk about their money problems. Their pride is at stake, in addition to which people in debt have a tendency to think there’s something unique about their own situation that only they can resolve.

      This book is the best friend you could have to help you solve your debt problem. It will not judge you or embarrass you. It will not put pressure on you to undergo painful measures. However, it will help you to understand every aspect of your predicament and enable you to follow a tried and tested method that will lead you out of debt.

      You are not alone and your debt problem is not a consequence of your personality. Regardless of your background and current circumstances, this book will help you escape the suffering of debt: the daily fear of financial demands that you cannot meet; the nagging loss of self-confidence; the enforced secrecy and dishonesty; the anger and defensiveness.

      In order to get out of debt, you need first of all to take on board the exact nature of the problem and then to follow an effective method to resolve it.

      This book will enable you to do both things by applying to your debt problem the most successful system ever designed for overcoming addiction.

      DID YOU SAY ADDICTION?

      That’s right. At this point I should clarify the type of debt we are concerned with. Debt’s a word we’ve often heard in recent years. Banks, businesses and countries are in debt to the tune of billions of pounds. Businessmen deal with debt all the time. We are not concerned with that type of debt here.

      This book is aimed at anyone who is suffering the torment of debt at a personal level as a result of over-spending.

      Clearly, if you spend more than you have, you will go into debt. Over-spending causes the daily suffering of millions of people all around the world.

      Feeling unable to stop over-spending despite being in debt is a form of addiction. You’ve probably heard the expression ‘shopaholic’ and dismissed it as a humorous term for someone with a weakness for spending. It probably never occurred to you that there might really be a connection between debt and alcoholism. Well, there is.

      As with universally recognised addictions such as smoking, alcoholism and other forms of drug abuse, it’s the illusion that the behaviour provides a genuine pleasure or crutch that keeps you trapped. Smokers suffer the illusion that cigarettes help them relax. In fact, they do the complete opposite. All a cigarette does is partially and temporarily relieve the unrelaxing feeling of the body withdrawing from nicotine which non-smokers do not suffer from in the first place. It’s like putting on tight shoes just for the relief of taking them off.

      As the nicotine leaves the body, smokers start to feel uptight and unfortunately they’re under the illusion that the only thing that will make them feel better is another cigarette. The reality is that the next cigarette will simply introduce more nicotine into the body, guaranteeing that, when that nicotine leaves, the smoker will again become uptight and feel the urge for another cigarette. Non-smokers do not have this problem.

      Smokers, therefore, smoke in order to feel like non-smokers

      The same mechanism is at work when it comes to over-spending. The illusion is that over-spending makes you feel good. In fact, all it’s doing is giving you a momentary taste of how someone without debt feels all the time. While you’re over-spending, you manage to block from your mind the fact that you can’t afford what you’re buying, and so for that brief moment you feel the sense of freedom and confidence that someone who is not in debt feels all the time. However, that boost soon wears off and you’re left feeling miserable again and guilty that now you’re in even more debt. However, because you think the only thing that can make you feel better is to spend, you go and spend more.

      Instead of removing your misery by getting rid of your debt, you increase the debt, thus ensuring that the misery gets worse. The longer you go on labouring under the illusion that over-spending gives you a pleasure or a crutch, the further you will descend into the debt trap and the more miserable you will become.

      Jan’s story is a stark example of how the illusion of pleasure can blind us to reality and lead to severe debt problems.

      JAN’S STORY

      Jan lives with her son, Ted, in a suburb of Edinburgh. Ted is 26, has been diagnosed with a mildly debilitating illness, doesn’t work and spends all day playing games on the internet. He plagues his mother with phone calls at work, asking her to get this DVD, that CD, or bring him home something from the bakery. He has even been known to text his mother to come upstairs to the bedroom, then ask her to change the channel on his TV. He is overweight and virtually housebound, and he puts all his problems down to the effects of his illness.

      A few years ago, Ted had a credit card and ran up a big debt. Fortunately, a friend of his mother’s gave him some good financial advice and he managed to pay back what he owed. Now he doesn’t have a credit card, but Jan does.

      She started off with a limit of £2,000 and soon spent her way up to that total, paying off the minimum each month. No problem, she got another card offering 0% for a year with a limit of £5,000, meaning she could transfer the £2,000 debt on to that card and have another £3,000 to spend. And so it went on.

      She now owes £15,000 on one card and about £6,000 on others. Nearly all of that money has gone on buying things for Ted, in the hope that it will make him happy. All the latest gadgets, phones, computers etc, expensive sunglasses (which he hardly uses as he seldom leaves the house), a large pedigree dog, which had to be rehomed after a few weeks because Ted was incapable of looking after it, and a whole host of other unnecessary items. She takes Ted and her husband, Ken, away on holiday three times a year and last summer she spent £600 on a holiday for Ted in Turkey with some friends, only for him to return home after one day, at more expense to his mother.

      Jan doesn’t earn a lot of money and has no plan to pay off her debts. Her friends have given up trying to give her advice. Now she is doing the usual dodging of phone calls and not answering letters. Although her debts are piling up, she says she wouldn’t give up her credit cards under any circumstances; her life would be nothing without them.

      Jan’s story may strike you as extreme, but it’s typical of the way we fall into the debt trap. Many people will look at Jan’s situation and say, ‘The problem’s not Jan, it’s Ted. She needs to stop spoiling him and get him to sort his life out.’

      What if I told you the same applies to you? Perhaps you don’t have a Ted in your life, or you think you don’t. In fact, you do; we all do. If you think of Ted as the side of all of us that takes a fancy to things and wants to own them, you can begin to relate more closely to Jan’s story.

      Jan knows that if Ted is happy, she’s happy, and she believes she can make Ted happy by spending money on him. Anyone looking at her situation can clearly see that that is the last thing she should be doing. But Jan is so wrapped up in the fog of spending addiction that she cannot see any solution to her debt problem and sees no alternative but to continue over-spending.

      Now look at your own situation. Isn’t it the case that you try to achieve happiness by spending money on your inner Ted? This book will help you unravel the illusions that trap you in debt. It will help you to see that spending does not relieve your misery, it is the cause of it.

      The misery of debt is one of the most devastating conditions known to man and it is an entirely man-made problem. As with all addictions, it starts small, seemingly under control, but it soon grows to the point where it takes you over. You find yourself in debt and as your creditors demand repayment, the only way you can see to keep them at bay is to bury yourself in more debt by borrowing from someone else. You would love to pay it all off but your outgoings exceed your income, so there’s no spare money to do so. In fact, you’re going deeper and deeper into debt each month and you just can’t see a way out.

      Once you recognise that over-spending is an addiction, you can begin your escape. That was the revelation that triggered this book. I was one of the worst nicotine addicts you could ever meet, a chain-smoker who choked his way through 100 cigarettes a day and was resigned to an early death. I was under the misapprehension that smoking was a habit I had acquired and that I lacked the willpower to quit. My revelation came when I realised that smoking was an addiction.

      In that moment the fog lifted from my mind and I saw with extraordinary clarity that the problem was neither some weakness in my character, nor was it some magical quality of the cigarette. Once I understood how the addiction worked, it was clear to me that smoking provided no genuine pleasure or crutch and therefore that stopping involved no sacrifice or deprivation. I quit there and then and started my mission to help

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