Audiobook Update

I am very excited today!Audiobook Cover

The Audiobook version of The 21 Day Debt Revolution has just hit a landmark sales point.

I never dreamed that so many copies of the audiobook would be sold in less than a month.

If you haven’t heard it yet, then do head on over to either Amazon, Audible or iTunes where you can listen to a sample of the book or download it.

I hope you enjoy listening to it as much as I enjoyed writing it.

And the last thing I have to say is thank you to Mr Kevin Archer who did such a great job on narrating the book.  He has an amazing voice and I am certain that it is his amazing talent that has helped sell this many copies.

(As you can tell, I am quite excited, so apologies for this out of the ordinary post.  Normal tips and advice will resume shortly…)

See you soon!


If you do not have a way of listening to Audiobooks, or would rather read it instead, then please head on over to either or where you can download the kindle edition or buy the paperback.



There is so much waste in this world.

Mahatma Ghandi once said: “We have more than enough for our needs, but not enough for our greed.”

Ultimately, this is the real reason that there is so much famine, poverty and debt in the world.  So many of us spend so much money accumulating things we want, forgetting that there are people who have little to nothing.

We build up debt in order to own things which we later throw away when the newer, shinier version comes out…

Now, I realise that there is no way that I could possibly change this culture from the pages of a blog post, but I would like to bring your attention to a way of saving money and minimising waste.

Freecycle is an amazing concept where people give away items they no longer need or use, that would otherwise be put in the garbage or simply left to rot in an attic or loft.

This means that not only is less damage being done to the environment, but those involved are allowing others to save money.

To find out about your local freecycle, just go to and sign up.

This is a great way of making your money go further, particularly as you can request things.

So, whether you need a new bedside lamp, or a new bicycle, or you fancy learning to play guitar, take a look at freecycle, and maybe you might just find what you need with a 100% discount!


The emotion of money.


As my friends and family know, I’m a bit of a serial dieter.  My weight has been an issue ever since I hit my late teens.  It tends to fluctuate up and down.

The only positive that can be gained from that is that I have learnt a lot about different diets and nutrition.

But what does this have to do with finances?

Well, most diets will teach that you have to remove the emotional element from eating. Eating is not there to support any kind of emotional need.  It is purely fuel and therefore, once that is ingrained in your thinking, dieting (allegedly!) becomes easier.

Money is exactly the same. Lots of people have an emotional attachment to money, viewing it as either positive or negative.

Ultimately money is simply an object that you need to choose how to use. It is neither good nor evil.  Many people get too hung up on the emotions associated with spending or saving money, which ultimately leads to failed budgets, overspending or miserly, tight-fisted behaviour.

It is important to get over this attachment and the simplest way to do this is to budget and learn to rely on your own forward planning and control rather than on the emotions that come from your personal attachment to money.

If you own my book, The 21 Day Debt Revolution, I describe the simplest system of budgeting in Day 20. If you would like to change your financial position, I would recommend that you complete the budget on day 5 and then have a quick read of Day 20 and use the Envelope system from the get go.

This will make you think about your spending much more.

Just remember, it’s you who controls your money not the other way around.

J A Scott

Flash Sale


Hey everyone, my book is being featured in a flash sale at Buck Books today for just 99 cents! If you’ve been wanting to pick up my book, now’s the time. 

The sale lasts just until the end of the day. 

For those who’ve read my book and love it, now’s the perfect time to share it with others while it’s just 99 cents. 

Go check my book out at now! And subscribe while you’re there for awesome book deals like this every day.

A quick money saving tip.

If you are like me and love reading and discovering new books, then today’s blog may well be of great interest to you!

Before I go on, I am making two assumptions:

1.  You buy ebooks in some format.

2.  You have budgeted for these purchases.

If you don’t do either of these things, then this post may well be irrelevant to you.

The last thing I want you to do is spend money on something you won’t use, or worse, spend money you don’t have!

So, here’s my tip for the day:

Sign up for Buck Books.  Buck books is an independent start-up that was set up to promote quality books that cost less than $1.

Signing up means that you get a daily recommendation of both non-fiction and fiction books.  All for less than $1.

This means that you’ll never have to spend more than $1 on a book if you don’t want to.

Ideal for those long train commutes, or this bus journeys you take to work everyday!

So, take a moment to sign up and discover a world of quality books for less than $1!



So I had a coffee with my mum today.

I don’t go out for coffee that often, but I was dropping her at the train station to travel home and as we were early we decided to go for coffee and a toasted sandwich in one of the ubiquitous coffee shop chains…

I had a coffee.  She had a hot chocolate.

We both had a sandwich.


Yep. £12.10.

On this occasion she was paying, so no problem on my behalf, but she paid it without really thinking about it at all.  And this got me thinking.

Why are we willing to pay £3 ($5) for a coffee, without even thinking about it, but unwilling to pay even half that amount on an electronic download such as an ebook?

One provides us with about 20 minutes of taste sensation and gets us fired up for the day, whilst the other could provide us with several hours of entertainment, or knowledge that will stay with us for a lifetime.

And my point is not that we should be buying ebooks instead of coffee.

My point is that we should think more about what we buy.

This is why one of the strategies in my book is to write down everything that you buy.  Dieters who keep a food diary lose more weight than those who don’t.

It’s about becoming more aware of what you are buying and making good choices with your money.

If you were to buy a coffee every day of the week, five times a week, at about £3 a go, over the year you would end up paying £780 ($1,182).  That’s a holiday.

That’s a new Apple computer.

That’s a (cheap) car.

That’s your credit card bill paid.

So, this week, why not take one of these:

Costa Cup

Or one of these:



And instead of buying a coffee, why not put 3 £1  coins (or a $5 bill) in the cup.

Do this every time you would usually buy a coffee and at the end of the month, use that money to buy something that will last.

Have a great day.


PS:  Don’t forget to check out for information on my latest book and other new releases.  (All for less than the cost of a cup of coffee!)

Life Space

I recently had the pleasure of speaking to Luke Strickland, author of Life Space. Luke Selfie

Luke has a passion for seeing people finding the spaces in their life where they can allow their dreams to grow.  In his book he talks about how he has been able to do this, along with some great ideas as to how we can each do the same.

I certainly found it very helpful and have been finding all those little spaces, the moments between the minutes, the gaps in the busy where my dreams can flourish and grow.

Luke gave up some of his time to answer our questions:

J.A.Scott:  Tell us a little about yourself.
Luke Strickland: My name’s Luke, I’m an enthusiast about being creative in all different forms, whether that’s writing, playing music, growing things or making things in my workshop. I have a wonderful wife and two energetic kids, along with two fish, two cats and a Guide Dog puppy we’re fostering!


JAS:  In your book you talk about finding space in your life to let your dreams grow.  How do you find space in your life? 
LS: It’s not easy that’s for sure! I work full time, I have small kids, I have various other commitments – carving out time for anything can be a challenge! Personally I’ve had to learn the discipline of saying no to things – it’s easy to fill our lives up with other people’s priorities, and without being selfish sometimes we need to recognise that. Secondly I think you have to get into a habit of taking small regular steps rather than occasional giant leaps – for me an example of that was committing to write a blog every week.
JAS:  What do you think hinders people, stopping them from allowing their dreams to grow or from chasing their dreams?
LS: That’s a tough question. It can be lots of things – I don’t think that many people set out NOT to chase their dreams, life just kinda happens around them. Feeling like you don’t have permission could be one element, or fears about rejection or how much it will cost. Sometimes people just feel like they can’t do it on their own – that’s why it can be really important to surround yourself with people who will encourage you and support you as you step out. Personally I just started working full time then sort of “woke up” ten years in realising that I’d put lots of dream on hold – literally gathering dust on the shelf. 
JAS:  Big one now: What’s your greatest dream?
LS: Wow that is a big question! I’d love to be able to support my family through my writing and creativity whilst helping people along the way to be the best expression of who they’ve been made to be. Writing a New York Times bestseller would be fun along the way. That’s two things so cheating really… I’m not sure I have one big dream just lots of little ones!
JAS: What’s next in the pipeline for Luke Strickland, the author?
LS: I’m in the process of writing three books actually! One is a sequel to my book Life Space, about turning dreams into a compelling vision. The other two are about connecting with the environment in different ways… watch this space!
Thank you, Luke,  for taking the time to talk to us.
If you want to to find out more about Luke, then do visit his blog or take a look at his book.
I was very inspired by Luke’s book and I think you will be too.
Take a few minutes today and allow yourself the space to dream big.
If debt is stopping you from letting your dreams grow, then take a look at my book The 21 Day Debt Revolution and kickstart your future today.  With debt taking up less space in your life, you may just find the time to dream…