[...]... the bridge of Financial Recovery I had been given a golden opportunity to help others step into their own Financial Recovery and journey across their own bridges I hope that in some small way my experience of Financial Recovery and the stories I’ll share in these pages will give you the hope and courage you need to find your own “Golden Gate.” WHAT FINANCIAL RECOVERY IS NOT Financial Recovery is not... never reaches fruition People who have financial success have a healthy relationship with money — the kind of relationship that Karen McCall describes in this timely book Large numbers of people have money troubles This book and the Financial Recovery Institute that Karen founded could help these people immensely After reading this book or attending a Financial Recovery seminar, you will quickly realize... keep self-defeating cycles from recurring WHAT EXACTLY IS FINANCIAL RECOVERY? AND WHAT DOES IT MEAN FOR YOU? Financial Recovery is a process that helps you to develop a healthy relationship with money that is both healing and life-changing It enables you to understand where you are, how you got there, how to change your financial circumstances in the present, and how to maintain a healthy financial. .. pain-free way to become a millionaire while you sleep or to pay off your mortgage in one year For many of us, just getting more money will not solve all our problems, especially if there are deeper issues More money often merely adds more zeroes at the end of financial problems without solving them at all Financial Recovery is not a one-time quick fix for financial woes, nor is it a traditional budget-planning... into security and financial freedom I urge you to give yourself the gift of reading this book and discovering the road map Karen presents I would not say that Financial Recovery will necessarily make you a millionaire, and Karen is not promising that either Being a millionaire does not guarantee financial happiness; achieving true happiness is about much more than making masses of money Karen s book will... joy and satisfaction Through Financial Recovery you will become the designer of your own financial life as you define it With small steps, you’ll begin to see large changes in your financial life Your situation may not be as extreme as mine was Or yours may be worse Either way, Financial Recovery will teach you skills that will always be available to you for reaching any financial goal It will also... spending, an integral part of the Financial Recovery process Chapter 5 addresses the heart of Financial Recovery: creating your individual spending plan This is the part that I get really excited about Planning is what gives Financial Recovery its power This chapter will help you to experience the real freedoms of creating your individual plan This is not just the age-old budget — not just an exercise... them figure out what Financial Recovery means for them I’ll never forget one of my early clients, a building contractor He arrived at our first session carrying two five-gallon plastic paint buckets chock-full of the bills and paperwork that he said he simply could not manage This man knew he couldn’t do it alone He was handing it over, asking for help, and I knew the Financial Recovery process could... repaying debt That’s what makes Financial Recovery a sustainable way of life The tried-and-true strategies I suggest will help you to crush debt before it crushes you If debt is not a big issue for you, the information in this chapter might keep it from becoming an issue down the road In chapter 7, we’ll look at the tightly interlocked issues of work and money Financial Recovery is about creating the... Journaling has proved an invaluable, eye-opening part of the Financial Recovery process The process as a whole has benefited thousands over the past twenty years People who have spent years, even decades, struggling just to make it through the month have found that they can achieve a sense of financial well-being that they’d never thought possible People have found an expansive financial life and profound fulfillment . of Karen McCall. Text design by Tona Pearce Myers Library of Congress Cataloging-in-Publication Data McCall, Karen. Financial recovery : developing a healthy relationship with money / Karen McCall. alt="" FINANCIAL RECOVERY FINANCIAL RECOVERY Developing a Healthy Relationship with Money KAREN McCALL Foreword by JOHN BRADSHAW New World Library Novato, California Copyright © 2011 by Karen McCall All. end of financial problems without solving them at all. Financial Recovery is not a one-time quick fix for financial woes, nor is it a traditional budget-planning tool or quick getout-of-debt repayment