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step into a debt free life

Buy It Now


The Debt Free System is easy to use. You take immediate
control of your spending and debts in Three easy steps.


Step 1:

You start with a simple list of your expenses and debts. No budgets are required.

Step 2:

Once all your expenses are listed and monthly payments are allocated, you adjust your monthly debt payments to leave enough cash for daily-living life – style spending. This is your Cash Cushion. This formula limits the amount of spending to the amount in Cash Cushion.  We call it our PCF: Positive Cash Flow formula. (See our formula below).

Step 3:

Hammer debts to zero in half the time. Learn the secret of compounding.


Positive Cash Flow Formula

    Checking Account Balance
Estimated Monthly Income
= Available Funds
–  Monthly Allocation
= Cash Cushion


We know you will be completely satisfied with our workbook, you will be telling others about it.

And just when you thought: “How will I ever get out of debt…”  You find the answer.

Smart Money Management

40 Autumn Dr Ste #163
Slingerlands, NY 12159