Books

Say Yes To No Debt 2nd Edition (PRE-ORDER)

Credit is so accessible to almost everyone today that it can be addictive and abused. But using credit in a healthy way requires disciplined strategies around spending, saving, donating, and investing. This book teaches how to use credit wisely for building wealth. At first glance, the title may seem unrelated to the concept of wealth. Yet, if we define wealth correctly, it is fundamentally tied to the difference between our assets and our liabilities. This 2nd edition expands significantly on the original book to include vital new content and resources to meet today’s financial realities.                PRE-ORDERS ONLY. SHIPS AFTER AUGUST 1, 2025

Say Yes To No Debt 2nd Edition: Faith-Based (PRE-ORDER)

This book serves to guide those who seek a deeper understanding of true wealth and how to attain it. At first glance, the title may seem unrelated to the concept of wealth. Yet, if we define wealth correctly, it is fundamentally the difference between our assets and our liabilities. This 2nd edition expands significantly on the original book to include vital new content and resources to meet today’s financial realities. Drawing on his years of experience as a pastor, public policymaker, and community leader, Soaries shares the keys to debt-free living and wealth-building founded on bold biblical principles. PRE-ORDERS ONLY. SHIPS AFTER AUGUST 1, 2025

Say Yes To No Debt Workbook: (PRE-ORDER)

This workbook is designed to be your personal guide as you work through the principles outlined in Say Yes to No Debt – 2nd Edition. While the book will give you the knowledge and motivation to transform your financial future, this workbook provides the practical tools you need to take action. Each chapter of the workbook corresponds directly to the chapters in the book, reinforcing key lessons and helping you apply them to your daily life. PRE-ORDERS ONLY. SHIPS AFTER AUGUST 1, 2025

DFREE® Facilitator’s Guide (PRE-ORDER)

Whether you are leading a small group, a church class, or a community workshop in the DFREE® curriculum, this book is designed to support you every step of. It includes an introduction, session-by-session guidance on leading effective discussions, key concepts and objectives for each chapter of the program, discussion prompts and activities to engage participants, and facilitation tips to keep conversations interactive and meaningful. Most importantly, this guide will help you create a safe, supportive, and transformational environment where people can be honest about their financial struggles and victories. PRE-ORDERS ONLY. SHIPS AFTER AUGUST 1, 2025

Say Yes to No Debt: 12 Steps to Financial Freedom (Paperback)

Drawing on his years of experience as a pastor, public policy maker, and community leader, DeForest “Buster” Soaries, Jr. shares the keys to debt-free living in this groundbreaking, life-changing new approach. This is not another financial literacy program. Soaries believes living in debt is an emotional, spiritual and psychological problem as much as it is an educational and informational one. Soaries has helped hundreds of families get out of debt. Find out how you can leave a financial legacy of your own by saying yes to no debt.

Say Yes to No Debt: 12 Steps to Financial Freedom (EBOOK VERSION)

Drawing on his years of experience as a pastor, public policy maker, and community leader, DeForest “Buster” Soaries, Jr. shares the keys to debt-free living in this groundbreaking, life-changing new approach. This is not another financial literacy program. Soaries believes living in debt is an emotional, spiritual and psychological problem as much as it is an educational and informational one. Soaries has helped hundreds of families get out of debt. Find out how you can leave a financial legacy of your own by saying yes to no debt.

Say Yes When Life Says No

Life happens. What you choose to do in your circumstance is your decision. Will you stay where you are? Will you move forward? Be encouraged by Dr. DeForest B. Soaries, Jr. to reach a new level of faith, to find opportunity in every obstacle and to say yes, even when life says no. Drawn from the remarkable life experiences of one man, Say Yes When Life Says No includes a first-hand account of Rev. Dr. DeForest Soaries, Jr. – pastor, husband, father, public servant, and cancer survivor. Enriched with personal stories and vivid Biblical references, Dr. Soaries provokes us to see every obstacle in life as an opportunity and every burden as a potential blessing.

Say Yes to No Debt Notebook (Digital)

dfree ® Lifestyle 2nd Edition Workbook

My goal is that you will discover more about yourself than you do about money by the time you complete this experience. That is why I call it the dfree® lifestyle. So says author Dr. DeForest B. Soaries, Jr., who shares vital keys to debt-free living in Say Yes to No Debt: 12 Steps to Financial Freedom, his book that features a groundbreaking, life-changing approach to debt elimination. The principles that dfree® promotes are very simple: No debt: Pay as we go use cash and debit cards rather than credit cards. Live without debt. No delinquencies: Pay bills on time avoid late payments and late fees. No deficits: Live below our means spend less than we earn. According to Dr. Soaries: These three principles translate into financial wellness and the money we find creates a path toward wealth creation

Special Bundle Offer

Your dfree® for Seasoned Citizens (Paperback)

Do you know how much debt you owe? Do you have a plan that guides your spending? Are you able to pay all your bills on time, every month? Do you have an emergency contingency income plan? Do you have enough financial resources to handle an emergency? If you answered, “no” to any of the above questions, you are a great participant in the dfree® movement. Many seniors have joined dfree® because they have found themselves with financial questions and struggles. Maybe you never took the financial steps necessary to support your retirement. Maybe you planned well but have found yourself in debt after helping family members or friends. Or, maybe you weren’t expecting to retire but suddenly found yourself unemployed or facing a major health condition. These are just some of the common experiences that leave seniors needing financial advice. dfree® can help.

Your dfree® for Entrepreneurs (Paperback)

If you haven’t yet, you should read Dr. DeForest Soaries’ Say Yes to No Debt: 12 Steps to Financial Freedom, which contains the dfree® principles and strategies that will lead you to a life of financial security where you can give back to others. This supplement to the book is a must-read for entrepreneurs. You might also find more information about dfree® through your church or community organization. If your church or group doesn’t participate in dfree®, perhaps you can encourage your leaders to do so. Do you know how much debt you owe? Do you have a plan that guides your spending? Are you able to pay all your bills on time, every month? Do you have an emergency contingency plan? Do you have enough financial resources to handle an emergency? If you answered, “no” to any of the above questions, you should consider participating in the dfree® movement. Many entrepreneurs have joined dfree® because they have found themselves with financial questions and struggles. Maybe you have taken on too much debt for yourself. Maybe you have counted on your business to provide for you in your golden years and haven’t properly planned for retirement. Or maybe you just have poor cash-flow management.

Estilo de Vida dfree® (manual de trabajo)

Mi objetivo es que descubras más sobre ti mismo que sobre el dinero cuando completes esta experiencia. Por eso lo llamo el estilo de vida dfree®. Eso dice el autor Dr. DeForest B. Soaries, Jr., quien comparte claves vitales para vivir sin deudas en Di sí a la no deuda: 12 pasos hacia la libertad financiera, su libro que presenta un enfoque innovador y transformador para la eliminación de la deuda. Los principios que promueve dfree® son muy simples: Sin deudas: Pague sobre la marcha use efectivo y tarjetas de débito en lugar de tarjetas de crédito. Vive sin deudas. Sin morosidad: Pague las facturas a tiempo, evite pagos atrasados​​y cargos por pagos atrasados. Sin déficits: vivir por debajo de nuestras posibilidades gastar menos de lo que ganamos. Según el Dr. Soaries: Estos tres principios se traducen en bienestar financiero y el dinero que encontramos crea un camino hacia la creación de riqueza.

Meditations for Financial Freedom (Set of all 4)

Say Yes to No Debt eWorkbook - Community Based (Digital)

My goal is that you will discover more about yourself than you do about money by the time you complete this experience. That is why I call it the dfree® lifestyle. So says author Dr. DeForest B. Soaries, Jr., who shares vital keys to debt-free living in Say Yes to No Debt: 12 Steps to Financial Freedom, his book that features a groundbreaking, life-changing approach to debt elimination. The principles that dfree® promotes are very simple: No debt: Pay as we go use cash and debit cards rather than credit cards. Live without debt. No delinquencies: Pay bills on time to avoid late payments and late fees. No deficits: Live below our means and spend less than we earn. According to Dr. Soaries: These three principles translate into financial wellness and the money we find creates a path toward wealth creation

Say Yes to No Debt eWorkbook, Faith-Based (Digital)

My goal is that you will discover more about yourself than you do about money by the time you complete this experience. That is why I call it the dfree® lifestyle," says author Dr. DeForest B. Soaries, Jr., who shares vital keys to debt-free living in Say Yes to No Debt: 12 Steps to Financial Freedom, his book that features a groundbreaking, life-changing approach to debt elimination. Inter-laced with biblical references, this practical approach to growing wealth is also steeped in faith principles to guide the Christian on their financial journey. The principles that dfree® promotes are very simple: No debt: Pay as we go use cash and debit cards rather than credit cards. No delinquencies: Pay bills on time, avoid late payments and late fees. No deficits: Live below our means spend less than we earn. According to Dr. Soaries, these three principles translate into financial wellness and the money we find creates a path toward wealth creation

Meditations for Financial Freedom Vol. 1 (Box of 50)

Using personal and biblical stories and verses, Meditations for Financial Freedom (Vol. 1) is the first installment of a twelve-part series aimed at helping people who are attempting to attain and maintain financial freedom. This book offers daily meditations that inform and inspire – make you laugh and make you cry – with reflections that walk through the books of The Bible and highlight concepts that address financial issues including saving, investing, retirement, employment, entrepreneurship and a myriad of subjects relevant to personal finance.

Your dfree® for Young Adults (Paperback)

Although young adults are technically savvy, when it comes to financial management many are in debt, delinquent and living in deficit. Many of them feel they have not been provided with the information they need to make good financial decisions. This supplement will provide you with resources to be dfree®! 

Meditations for Financial Freedom Vol. 4 (Paperback)

Using personal and Biblical stories and verses, Meditations for Financial Freedom (Vol. 4) is the fourth installment of a twelve-part series aimed at helping people who are attempting to attain and maintain financial freedom. This book offers daily meditations that inform and inspire – make you laugh and make you cry – with reflections that walk through the books of The Bible and highlight concepts that address financial issues, including saving, investing, retirement, employment, entrepreneurship, and a myriad of subjects relevant to personal finance. Meditations… is designed to be used as a daily devotional to deepen their spiritual life in a way that also improves your relationship with your money.

Meditations for Financial Freedom Vol. 2 (Box of 50)

Using personal and biblical stories and verses,  Meditations for Financial Freedom (Vol. 2) is the second installment of a twelve-part series aimed at helping people who are attempting to attain and maintain financial freedom. This book offers daily meditations that inform and inspire – make you laugh and make you cry – with reflections that walk through the books of The Bible and highlight concepts that address financial issues including saving, investing, retirement, employment, entrepreneurship and a myriad of subjects relevant to personal finance.