The Order to Clear Debt In, and Why Most People Get It Backwards

Most people clear their debts in the wrong order and pay for it twice.

What obligation truly costs, the sequence to clear it in, how to borrow without being owned, and the other ledger — what is owed to you, and how to collect it without losing the person.

Inside

• The second ledger — the four kinds of debt, only one of which is money
• What it actually costs — the attention charge, the decision charge and the negotiation charge, none of which appear on a statement
• The order of clearing — two defensible methods, and which to choose if you have never held one
• The gap that creates it — the four places it runs, and closing it structurally
• Borrowing well — four questions in writing, and two absolute rules
• When it cannot be paid — recognising that position honestly, and the four things to do instead
• The debts nobody invoices — work owed and word owed, and why they cost more than they look
• Being owed and lending — asking on the first day, and the three rules that make lending survivable
• The working of the ledger — the counting, the reading aloud, the nine breaths, the naming of one item
• The numbers of obligation and the cycle of clearing
• What clearing actually returns — three of the four arrive long before the last payment
• The Nine Weeks — a complete working

Format

• 20-page illustrated PDF, 7 × 10in
• Three plates from a 1603 star atlas
• Instant download, delivered the moment payment clears

Digital product. No physical item is shipped.