- Tapa blanda
- Nuevo
Librería: PBShop.store UK, Fairford, GLOS, Reino UnidoPBShop.store UK
Vendedor de IberLibro desde 11 de junio de 1999
Condición: Nuevo
EUR 18,79
Cantidad disponible: Más de 20 disponibles
Añadir al carritoDescripción del artículo del vendedor
New Book. Delivered from our UK warehouse in 4 to 14 business days. THIS BOOK IS PRINTED ON DEMAND. Established seller since 2000.
N° de ref. del artículo L0-9798256153328
- Título
- Debt Free
- Autor
- Owen Calloway
- Editorial
- Owen Calloway
- Año de publicación
- 2026
- Estado
- New
- Encuadernación
- PAP
- Idioma
- inglés
- ISBN 13
- 9798256153328
- Peso del artículo
- 223 gramos
You Don't Have a Discipline Problem. You Have a Design Problem.
If you've ever promised yourself that this would be the month you finally got your finances under control-only to end up feeling overwhelmed, discouraged, or back where you started-you are far from alone.
Most people don't stay in debt because they lack intelligence.
They stay in debt because no one ever taught them how money actually works-or how to build a financial system that works consistently in real life.
Debt Free is a practical, psychology-based guide for adults who want to understand the mechanisms behind debt before trying another budgeting challenge or financial quick fix.
Instead of relying on guilt, extreme frugality, or unrealistic promises, this book combines behavioral psychology, personal finance, and habit science to help you build lasting financial stability one decision at a time.
Because becoming debt-free isn't about becoming perfect.
It's about creating systems that make good financial decisions easier than bad ones.
Inside you'll discover:
- Your Money Story-and how childhood experiences continue to shape your financial habits today
- How beliefs about money influence spending, saving, borrowing, and investing
- Know Your Numbers: creating complete financial clarity without fear or avoidance
- The Debt Map-a practical framework for organizing, prioritizing, and eliminating debt strategically
- How to choose the repayment method that best fits your personality and financial situation
- Building an emergency fund that protects you from falling back into debt
- Why budgeting often fails-and how to create spending systems you can actually maintain
- The psychology of emotional spending, financial avoidance, and lifestyle inflation
- Practical strategies for increasing income while controlling unnecessary expenses
- The fundamentals of long-term investing once your financial foundation is secure
- How to build wealth gradually through consistency instead of chasing shortcuts
- A step-by-step roadmap for creating lasting financial confidence and independence
This isn't another book that tells you to skip coffee, stop enjoying life, or feel ashamed about your past financial decisions.
It's about understanding that debt is often the result of systems-not character flaws.
When your financial environment supports better decisions, discipline becomes far less important.
Because the goal isn't simply to eliminate debt.
The goal is to create a life where debt no longer controls your choices, your relationships, or your future.
You don't need to become a different person.
You don't need perfect self-control.
You need a financial system designed for the way real people actually live.
If you're smart, hardworking, and still wondering why financial freedom feels just out of reach, this book offers a practical path forward.
One built on clarity.
One built on consistency.
One built to last.
If you're smart, capable, and still financially stuck-this is the book you've been waiting for.
- Owen Calloway
“Sinopsis” puede pertenecer a otra edición de este título.
PBShop.store UK
Fairford, GLOS, Reino Unido
Vendedor de IberLibro desde 11 de junio de 1999
Tarifas de envío de Reino Unido a Estados Unidos de America
| Artículo | De 10 a 20 días hábiles | De 10 a 20 días hábiles |
|---|---|---|
| Primer artículo | EUR 3,94 | EUR 3,94 |
Métodos de pago
Descripción de la tienda
**Please note our transit times are from the date of dispatch.** We first started out as “The Paperback Exchange,” a chain of physical bookstores where we would part exchange your beloved books for new stories to transport you to faraway places. However, as shopping started to evolve to online shops and marketplaces, we bid our stores goodbye to become “PBShop.” This transition has only allowed us to blossom as we now ship thousands of titles to book lovers across the globe. We pride ourselves in being a community of local book lovers which allows our passion and devotion to shine in everything we do. In 2020 we not only celebrated our 20th birthday but our 1st birthday as being completely employee owned after becoming an E.O.T in September 2019. We are proud to be different and embrace standing apart on a book mountain by working from a virtual inventory which allows us to provide thousands of books that may be difficult to get for your bookshelf or your studies. Working with a number of different suppliers allows us to explore other avenues such as puzzles, sheet music and even stationery so we really do have something for everyone. Life is about being versatile in all realms of existence. If this is your first purchase with us, or you are a returning customer, we would like to welcome you to the PBShop family, for there is no friend as loyal as a book. We are a company who put our customers at the centre of everything we do as we understand the importance of reading because once you learn to read, you will forever be free. There are a whole lot of things in this world of ours that we are yet to explore, which is why we will forever inspire curious minds.…
Especialidad
Hardbacks, PaperbacksInformación empresarial del vendedor
Pbshop.co.uk
Unit 22 Horcott Industrial Estate, Horcott Road
Fairford, Reino Unido GL7 4BX
Condiciones de venta
Returns Policy
We ask all customers to contact us for authorisation should they wish to return their order. Orders returned without authorisation may not be credited.
If you wish to return, please contact us within 14 days of receiving your order to obtain authorisation.
Returns requested beyond this time will not be authorised.
Our team will provide full instructions on how to return your order and once received our returns department will process your refund.
Please note the cost to return any unwanted order to us is borne by the buyer.
Should your order arrive damaged, not as advertised or faulty, we must be advised of this within 14 days of delivery. Please contact us so we can find the best solution for you.
Our Customer Care Team can be contacted by emailing alborders@paperbackshop.co.uk, or by calling our UK Office on +441285 712 917. We are available 9:00am till 5:30pm GMT Monday to Friday.
Derecho al desistimiento
Si es un consumidor, puede rescindir el contrato de acuerdo con lo siguiente. Por consumidor se entiende cualquier persona física que actúe con fines ajenos a su actividad comercial, empresarial, oficio o profesión.
Información sobre el derecho de desistimiento
Derecho legal de desistimiento
Tiene derecho a rescindir este contrato en un plazo de 14 días sin dar ningún motivo.
El periodo de desistimiento vencerá a los 14 días desde que usted, o un tercero que no sea el transportista e indicado por usted, adquiera la posesión física del último bien o del último lote o pieza.
Para ejercer el derecho de desistimiento, complete de forma electrónica y envíe una declaración clara en nuestro sitio web, desde "Mis compras" en "Mi cuenta". Le enviaremos sin demora un acuse de recibo de dicho desistimiento a través de un soporte duradero (por ejemplo, por correo electrónico).
Para cumplir con el plazo de desistimiento, basta con que envíe su comunicación relativa al ejercicio del derecho de desistimiento antes de que venza el periodo de desistimiento.
Efectos del desistimiento
Si rescinde este contrato, le reembolsaremos todos los pagos que hayamos recibido de usted, incluidos los gastos de envío (excepto los gastos adicionales que surjan si elige un tipo de envío que no sea el tipo de envío estándar más económico que ofrecemos).
Podemos hacer una deducción del reembolso por la pérdida de valor de cualquier bien suministrado, si la pérdida es el resultado de una manipulación innecesaria por su parte.
Efectuaremos el reembolso sin demoras indebidas y, a más tardar, 14 días después de que se nos informe de su decisión de rescindir este contrato.
Efectuaremos el reembolso utilizando el mismo medio de pago que utilizó para la transacción inicial, a menos que haya acordado expresamente lo contrario; en cualquier caso, no incurrirá en ningún cargo como resultado de dicho reembolso.
Podremos retener el reembolso hasta que hayamos recibido los bienes o hasta que nos haya presentado una prueba de que los ha devuelto, lo que ocurra primero.
Deberá devolver los bienes o entregarlos a PBShop.store UK, Fairford, United Kingdom, +44 1285 712917, sin demoras indebidas y, en cualquier caso, en un plazo máximo de 14 días a partir del día en que nos comunique su desistimiento del presente contrato. El plazo se cumple si devuelve la mercancía antes de que venza el periodo de 14 días. Tendrá que asumir los gastos directos de devolución de los bienes. Usted solo es responsable de la disminución del valor de los bienes como resultado de una manipulación distinta a la necesaria para establecer la naturaleza, las características y el funcionamiento de los bienes.
Excepciones al derecho de desistimiento
El derecho de desistimiento no se aplica a lo siguiente:
- La entrega de periódicos, diarios o revistas, con la excepción de los contratos de suscripción; y
- El suministro de contenido digital que no se proporcione en un soporte tangible (por ejemplo, en un CD o DVD) si, al hacer el pedido, aceptó que podíamos empezar a entregarlo y que no podría desistir una vez iniciada la entrega.
Condiciones de envío
Orders are shipped from our UK warehouse. Delivery thereafter is between 4 and 14 business days. Please contact us if you have any queries about our services or products.