Adam Baker - Unautomate Your Finances.pdf

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I would like to dedicate this project to my wife, Courtney, who not only supported a year of bizarre hours
with no pay, but who possesses the most inspiring combination of determination and lexibility I’ve ever seen.
I love you.
Copyright Man Vs Debt LLC © 2010. All rights reserved.
Layout and Graphics by Ivylime Designs .
contribuing his own experience and story in the com-
panion audio interview. I look up to J.D. as a shining
example on how to build a blog, a community, and a
inancial success story.
Welcome! You Rock!
Free bonus updates! Following in the footsteps of one of
my mentors, Chris Guillebeau , I’ll be updaing this guide
in the coming months with case studies, addiional inter-
views, and answers to frequently asked quesions.
Thank you for your purchase!
I get what just happened. You just spent a small porion
of your hard-earned money on a project that I’ve worked
so hard to create. I appreciate this and am truly honored
by your show of support.
If you’d like you can sign-up to receive future updates
and addiions to this guide for free by entering your
e-mail. Your e-mail will only be used to send you addi-
ional updates to Unautomate Your Finances and the free
companion downloads.
“Unautomate Your Finances” is my baby. It’s the culmi-
naion of iresome trial and error in our own inances,
with a heavy inluence from all the personal inance
books, blogs, and media I’ve consumed in the last 2-3
years. Most of it was writen on the road in Australia,
New Zealand, and Thailand, before inishing it up back
home in Indiana.
More than anything, I’d love to hear your feedback. If
you have any praise, criicisms, quesions, or burning de-
sires to connect with me... here are several opions:
• E-mail me at Baker@ManVsDebt.com .
• Hit me up on Twiter: @ManVsDebt
• Become a MvD Facebook Fan and message me.
Contribuing the foreword and companion video inter-
view is Leo Babauta from ZenHabits.net . Zen Habits was
one of the irst blogs I ever read, back when Leo was
simplifying his own inances and destroying his debt. As
you can imagine, I’m stoked to have Leo ofer his support
for the project.
Please get in touch, so the next ime we talk, I can ad-
dress you by name!
Xoxoxo,
I’d also like to thank J.D. Roth of GetRichSlowly.org for
-Baker
The Science of Unautomation
32
Chapter 1: Design Your “Unautomated” Life
33
Shock your system with a scarcity mindset...
36
Isolate the next step...
37
Chapter 2: Drop a Bomb on Your Finances!
38
Table of Contents
Chapter 3: Rebuild Sound Financial Habits
39
Which habit to focus on irst...
39
Foreword
Applying Unautomation 41
Chapter 1: Actively Track Your Spending 42
Passive tracking vs. Active tracking... 42
30-Day Hand-to-Hand Combat challenge... 44
Chapter 2: Simple Budgets Suck Less 46
Budget based on Last Month’s Income... 48
List your “Recurring” expenses... 49
Plan for “Budget Busters”... 50
Brainstorm “Irregular” expenses... 54
Envelope Budgeting... 55
Chapter 3: E-Fund, I-Fund, & 1-Month Cushions 58
Your Emergency Fund... 58
Your 1-Month Cushion... 59
Your Irregular Fund... 60
Get a Month Ahead... 61
Chapter 4: Pay Of Debt with the Debt Tsunami 63
Create Your Own Debt Tsunami...
5
Introduction
7
Our inancial story...
8
The core principles of Unautomation...
10
The Unautomation Theory
11
Chapter 1: Mastery Through Simplicity
12
The typical inancial snapshot...
12
Make the most of newly acquired traction...
13
Become a inancial chameleon...
14
Chapter 2: Sustainable Finances
15
Spend less than you earn...
15
Earn more than you spend...
16
Reverse the low of consumerism...
17
65
Chapter 3: The Power of Focus
20
Chapter 5: Cut, Cancel, & Freeze Credit
67
Chunk excitement into bite-size pieces...
21
Is your credit card a tool?... Or are you?...
67
Chunk it down even further...
22
To cancel or not to cancel...
70
Chapter 4: Financial Consciousness
25
Freeze ‘em out altogether...
74
Get into “The Zone”...
28
Chapter 7: Simplify My Ride
76
Chapter 5: Why Bad Automation is Bad
30
Chapter 8: Slay the Ultimate Complexity Beast
79
Chapter 9: Unretire Yourself
81
Final Thoughts
83
There wasn’t one moment of epiphany, but the turning
point for my inances came when I began to learn how to
efecively change my habits, staring with quiing smok-
ing and beginning running. I applied those habit princi-
ples to many areas in my life, including inances: cuing
back on spending, consciously planning my spending,
eliminaing my debt, saving and more.
Foreword by Leo Babauta
It’s amazing now that I’m looking back on my life how
far I’ve come. Each step along the way didn’t seem that
diicult or life-changing, but these litle steps have really
added up to a prety long journey.
A huge change for me also came when I decided to sim-
plify my life, for many reasons, not the least of which
was that I wanted a saner way of living. I was ired of the
cluter of my possessions, a hecic schedule, and all the
debt.
It’s hard to say where to start, but I’m going to start at
the low point, which amazingly was only about ive years
ago (2005). I was heavily in debt, with lots of credit card
debt, a car payment, medical bills, and other outstand-
ing bills that had actually gone to bill collectors. Luckily,
I didn’t have a mortgage to pay, but had just about every
other kind of debt.
So I simpliied my possessions, focused on what really
made me happy, and stopped spending on things I didn’t
need.
I inally realized making things harder isn’t a bad thing.
I wasn’t making ends meet . I’d struggle just to make
rent and pay my power bills, while holding the creditors
at bay as best I could. Oten I had to borrow money from
friends or family just to manage that. Collecion agencies
and other bill collectors were calling my house frequent-
ly, to the point where I didn’t want to answer the phone.
When we must do things ourselves, and it costs us in
ime and efort, it forces us to consider whether it’s
worth doing at all.
When you have to walk to a store (or drive) and buy
something with cash, it’s less convenient than ordering
it online and having it delivered to your door. But that
inconvenience is a cost, and this higher cost will give us
pause.
It was depressing. It was also scary, because I didn’t
know how I’d pay my bills and whether my family would
soon be on the streets.
5 | Unautomate Your Finances
Foreword |

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