Sober and Broke!: How to Make Money, Save Money, Pay Debt and Find Financial Peace in Sobriety

by Dirk Foster

$7.99

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Author: Dirk Foster

Publisher: Independently published

Paperback:
ISBN 10: 1677012307
ISBN 13: 978-1677012305

Whether you’re sober ten days or ten years most alcoholics, addicts and problem gamblers are often in bad financial shape. Once we get sober, many of us are dazed by the financial devastation of our lives. We’re broke and there doesn't seem to be any way out! One of the most difficult challenges you will face in recovery is establishing a stable and healthy financial life. Even people who have been sober for decades sometimes have serious money management problems that keep them from enjoying life more fully.

The good news is, there are ways to repair and rebuild your financial condition, and you don't need to be a financial wizard to implement them in your own life. In this book, you will learn crucial steps that will help you rebuild and repair your personal finances, including:

How to pull yourself out of financial hell
How to develop a successful money mindset
How money works in society and life
How to save more and manage your money
How to make more money and increase cash flow
How to get out of debt one step at a time
How to repair your credit
How to invest in your future
How to develop a life of financial freedom and joy

This book can help any alcoholic, addict or problem gambler who is ready to start their financial recovery today. Easy to read and understand with simple principles to implement in your life right away.

Topics Covered in this Book:

How to make more money
How to save more money
How to manage your money
How to manage debt
How to repair bad credit
How to invest your money
How to develop a healthy money mindset
How to develop a healthy relationship to money
How to find financial peace

Who can benefit from this book:

Alcoholics and addicts struggling to repair their financial life
Gambling addicts in recovery
People who are untrained in basic money management
People who want to learn basic money management skills
People seeking financial freedom
People who have accumulated debt
People who have recently lost a job
People who are looking for a job
People who want to work part-time
People who want to learn how to invest their money
People who want to start a small business
Business owners and entrepreneurs
Young people who are learning how to handle money
People seeking financial peace

Review

Reviewed By K.C. Finn (5 Star Rating)

"A truly superb work overall."

Sober and Broke! is a work of non-fiction in the self-help genre that focuses on rebuilding life, and was penned by author Dirk Foster. Subtitled 'How to Make Money, Save Money, Pay Debt and Find Financial Peace in Sobriety', the guidebook takes its readers through the very relatable pitfalls of post-alcoholism lifestyles, in which recovering addicts usually find themselves in financial difficulties owing to their previous life choices. From changing your mental habits to improving spending and saving through to investment in your future and developing good credit from bad, the guidebook takes a serious but manageable approach towards full recovery.

As the title suggests, this is a very specific guidebook for those who find themselves over the initial hurdle of getting sober but still facing the mountain of repair work that needs to be done in the rest of their lives. Author Dirk Foster presents a highly relatable stance on the subject, with an accessible narrative that never talks down to the audience, but fills them with the hope and possibility that hard work can bring them in the future. The advice provided is solid and sensible for the condition of the target group, and it's also very well organized to make for easy reference when readers want to look back over a particular section. Most of all, there's a really positive attitude towards enjoying life and the financial repair process as we look towards a brighter future, and it's this spark of positive energy that makes Sober and Broke! a truly superb work overall.

Reviewed By Lesley Jones for Readers' Favorite

"A well thought out guide that, I'm sure, is going to help so many people really get their financial lives back on track."

You have overcome one of the hardest obstacles in your life and now you are finally sober. You may be free of the addiction but, unfortunately, many people will still face pressures and stresses in their finances. Although many addicts have been very resourceful when getting funds for their addiction, the story can be quite different when they are sober. If you are struggling to know how to start to get your finances back on track and set realistic and achievable financial goals, then Sober and Broke! will take you step by step with proven methods that work. Discover the blockages preventing you from reaching those desired goals, learn how to budget properly, learn the strategies to deal effectively with creditors, and learn all the innovative ways you can earn extra money. You have achieved sobriety so don't let your lack of knowledge when it comes to your finances limit the happiness and success that you deserve.

The title of this book really intrigued me because I was curious as to why planning for your financial future would be different if you had suffered an addiction. However, the methods outlined by the author were very clever and inspirational. There are many great ideas throughout to budget and to use the talents and resources that are available to you to earn extra money. But what I especially liked was the style; it is lighthearted, upbeat and non-judgmental. Dirk Foster has used effective diagrams and personal stories that inspire success; these were subtle but I imagine would be a very powerful motivator. For example, the diagram showing what a few dollars saved would add up to over a year was impressive. The 'Pay and Roll' method was my favorite strategy, very clever and effective. I loved the chapter on micro business and commitment and the further reading and resources section was a great bonus. Sober and Broke! by Dirk Foster is a well thought out guide that, I'm sure, is going to help so many people really get their financial lives back on track and will ensure the stresses caused by money problems do not endanger their sobriety.

Reviewed By Marta Tandori for Readers' Favorite

Achieving sobriety is a huge accomplishment but being sober and broke presents a whole new set of challenges. Author Dirk Foster gives readers a no-holds-barred look at what it looks like to be sober and broke and what it takes to get out of the black hole of financial despair in Sober and Broke! How to Make Money, Save Money, Pay Debt and Find Financial Peace in Sobriety. Most alcoholics and addicts are in bad financial shape and one of the most difficult challenges faced by recovering addicts is establishing a stable and healthy financial life in recovery. Foster states that rebuilding an addict's life comes with small but very significant steps like making it through each day without drinking or using, developing sober friendships, feeling better physically and, to some degree, spiritually and mentally. However, a recovering addict's financial situation is another story altogether, with most having done significant harm to their credit and where they owe thousands to financial institutions, struggle to pay essential bills like rent and electricity, own nothing of significance like a car or house or have investment assets, and eat only the cheapest - and in most cases - unhealthiest foods. Foster also states that being broke and in debt causes tremendous stress on one's mind, body, and spirit, killing energy while destroying incentive and sleep, and leading to fear and depression, with many addicts relapsing from their financial burdens.

While all this may seem depressing, Dirk Foster is quick to reassure readers that financial prison doesn't have to have a lifetime sentence but overcoming financial problems isn't a "quick-fix solution" because it won't happen overnight. Divided into five parts, with a Resources section at the end, the author, who's a recovering addict himself, keeps his narrative simple and easy to follow, and his advice straightforward. He overviews financial basics (income less costs equals profit), discusses the importance of having a small emergency fund, cutting bigger expenses such as cable and taking advantage of freebies through YouTube and the library, using coupons and selling things no longer needed at yard sales, flea markets and through online sites such as Craigslist or eBay. Foster also stresses the importance of setting the following basic goals: commit to fixing the problem, eliminating debt, saving money, creating cash flow and being patient. Sober and Broke! has no bells and whistles, only straightforward advice from a man who's been there. And while Foster's book is directed to recovering addicts who are broke or facing financial challenges, it nevertheless speaks to a much wider audience facing financial challenges.

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Sober and Broke!: How to Make Money, Save Money, Pay Debt and Find Financial Peace in Sobriety