You can break free from debt, and it all begins IN THE MIND!
Scroll down to listen to the audio, chapter by chapter of my No.1 Bestselling book:
PAID IN FULL:
Free Yourself From the Burden of Debt and Live Your Best Life NOW!
Listen to this audio version of Paid In Full if you’re sick and tired of constantly being in debt and feeling unable to fully enjoy life because of it.
Do you constantly worry about money? You worry when there's not enough, and when there is enough, you worry about running out...And a major thorn in your financial side is your credit card and loan debt...
Perhaps you’ve tried budgeting techniques and strategies to clear your debt in the past and because nothing has worked, you feel defeated and can't imagine ever being free.
Maybe you get close to clearing your credit card but then something happens which means you have to use it again, or you constantly self-sabotage, which keeps you feeling trapped.
And quite possibly you’re postponing joy, putting your best life on hold because you don’t feel like you deserve to have fun until you’ve cleared your debts.
If so, then welcome to PAID IN FULL!!!
🎧 Listen to the full audio recording right here on this page — chapter by chapter. Stay and dive in, your journey starts now!
What this book will teach you
- Reclaim your power and release deep rooted negative emotions
- Install empowering beliefs that support your next level money goals
- The Genius power of your mind
- Upgrade your prosperity consciousness and feel wealthy in order to create a new reality
- Raise awareness to your subconscious blocks and learn how to release them
- Experience more self-love, self-compassion and self-acceptance
Introduction
• Learn how becoming debt-free is 80% psychology and only 20% strategy - mastering your mindset is the real work.
• Sanae shares how 23 years of credit card debt were rooted not in bad budgeting, but in shame, avoidance, and subconscious limiting beliefs.
• You will discover that the first step is becoming a conscious observer of your own thoughts, feelings, and patterns around money.
• Sanae shares how 23 years of credit card debt were rooted not in bad budgeting, but in shame, avoidance, and subconscious limiting beliefs.
• You will discover that the first step is becoming a conscious observer of your own thoughts, feelings, and patterns around money.
Chapter 1:
The Turning Point
• Shame and secrecy around debt only deepen the problem, and acknowledging your situation is the beginning of power.
• The chapter teaches that the path to becoming debt-free begins with an internal shift — taking responsibility and reclaiming your sense of agency.
• You will understand that chronicling your journey (like journaling) creates accountability and dramatically increases your chances of staying the course.
Chapter 2:
The Power of Decision
• You will learn the difference between wanting to be debt-free and truly deciding to be — and why that gap is where all failure lives.
•The chapter shows how making a non-negotiable decision shifts your energy, refines your focus, and unlocks massive positive action.
•The chapter shows how making a non-negotiable decision shifts your energy, refines your focus, and unlocks massive positive action.
Chapter 3:
Facing the Truth
• You will learn why fully knowing the exact total of your debt — every balance, no exceptions — is an act of empowerment, not defeat.
• Avoidance and partial truths send a message to your brain that you are weak; facing reality, rather than resisting it rebuilds your confidence and self-belief.
• Avoidance and partial truths send a message to your brain that you are weak; facing reality, rather than resisting it rebuilds your confidence and self-belief.
Chapter 4:
Backing the What With a Why
• You will learn that without a deep, personal 'why,' even the strongest decision will collapse when the going gets tough.
• Intrinsic motivation — purpose connected to your values and contribution to others — is far more powerful than external rewards or avoiding pain.
• The chapter shows how connecting debt repayment to a higher mission (helping others, living with integrity) unlocks creative energy and commitment.
• You will complete guided reflection questions to define your own powerful 'why' — what being Paid in Full means for your life and those around you.
• Intrinsic motivation — purpose connected to your values and contribution to others — is far more powerful than external rewards or avoiding pain.
• The chapter shows how connecting debt repayment to a higher mission (helping others, living with integrity) unlocks creative energy and commitment.
• You will complete guided reflection questions to define your own powerful 'why' — what being Paid in Full means for your life and those around you.
Chapter 5:
Acknowledging What Is
• The chapter teaches how stop numbing or avoiding negative feelings around debt, and discover a simple process to help you uncover the beliefs driving your behaviour.
• You will learn that avoidance is not a neutral act — it actually takes effort, and the fear behind it keeps attracting more of what you fear.
• Through practical exercises, you will identify the specific stories and meanings you have attached to your debt — such as 'I'm out of control' or 'I'm unworthy.'
• You will learn that avoidance is not a neutral act — it actually takes effort, and the fear behind it keeps attracting more of what you fear.
• Through practical exercises, you will identify the specific stories and meanings you have attached to your debt — such as 'I'm out of control' or 'I'm unworthy.'
Chapter 6:
The Law of Attraction
• You will learn how the Law of Attraction works as a governing law of the universe — your dominant emotional frequency attracts matching experiences.
• The chapter introduces practical evidence based tools for changing your core identity and beliefs around money and supporting you by tuning you to abundance and raising your financial frequency
• The chapter introduces practical evidence based tools for changing your core identity and beliefs around money and supporting you by tuning you to abundance and raising your financial frequency
Chapter 7:
Conscious Affirmation VS Unconscious Mentations
• In this chapter you'll learn why generic affirmations often fail, and you'll be introduced to an effective method for affirming that creates amazing results, without the resistance.
• You will discover how to consciously override your unconscious mental chatter ('mentations') that silently shapes your identity and your outcomes
• You will learn to create affirmations that feel true and achievable today, building the faith muscle step by step until bigger truths become your new normal.
• You will discover how to consciously override your unconscious mental chatter ('mentations') that silently shapes your identity and your outcomes
• You will learn to create affirmations that feel true and achievable today, building the faith muscle step by step until bigger truths become your new normal.
Chapter 8:
An Important Side Note About Consistency
• You will learn that consistency is not just about sticking to habits — it is about upgrading your self-esteem and keeping promises to yourself.
• The chapter reveals how inconsistency becomes its own belief, which then manifests as real "failure" patterns across all areas of life.
• You will be inspired to treat consistency as a leadership quality — the foundation of the person who truly believes they can accomplish anything.
• The chapter reveals how inconsistency becomes its own belief, which then manifests as real "failure" patterns across all areas of life.
• You will be inspired to treat consistency as a leadership quality — the foundation of the person who truly believes they can accomplish anything.
Chapter 9:
Harness Your Genius Power
• This chapter explains the neuroscience behind visualisation, and you'll learn that your imagination is your greatest creative tool. And how most people waste it on worry rather than using it deliberately to design their reality.
• You will discover how to create a detailed, emotionally charged vision of being Paid in Full and practice it daily to shift your state of being from being in debt to someone who is already free.
• You will discover how to create a detailed, emotionally charged vision of being Paid in Full and practice it daily to shift your state of being from being in debt to someone who is already free.
Chapter 10:
Nothing Has Meaning But The Meaning You Give It
• You will learn that debt has no inherent meaning — all the shame, guilt, and fear you feel are meanings you have assigned to it, and you can change them.
• You will practice the skill of becoming a conscious observer in the moment: hitting pause on your automatic reactions to uncover the belief that is 'driving the bus'.
• Sanae shares how she broke her people-pleasing and overspending patterns by recognizing them as fear of rejection — not love for others — and choosing differently.
• You will create a list of recurring emotional triggers and trace each one back to the core belief, so you can begin rewriting those stories deliberately.
• You will practice the skill of becoming a conscious observer in the moment: hitting pause on your automatic reactions to uncover the belief that is 'driving the bus'.
• Sanae shares how she broke her people-pleasing and overspending patterns by recognizing them as fear of rejection — not love for others — and choosing differently.
• You will create a list of recurring emotional triggers and trace each one back to the core belief, so you can begin rewriting those stories deliberately.
Chapter 11:
Self Acceptance
• You will learn that shame kept secret grows more powerful, and how you can dissolve shame's grip.
• The chapter reveals how hiding debt from people you love reinforces the lie that you are unworthy and unlovable, perpetuating the very shame that blocks your progress.
• The chapter teaches that self-acceptance enables you to release the emotional charge so you can take empowered action going forward.
• You will understand that as you forgive and accept yourself, you stop projecting rejection and begin attracting more acceptance, love, and financial flow from the world around you.
• The chapter reveals how hiding debt from people you love reinforces the lie that you are unworthy and unlovable, perpetuating the very shame that blocks your progress.
• The chapter teaches that self-acceptance enables you to release the emotional charge so you can take empowered action going forward.
• You will understand that as you forgive and accept yourself, you stop projecting rejection and begin attracting more acceptance, love, and financial flow from the world around you.
Chapter 12:
Your Valuable Values
• You will learn that your core values act as a compass for your best life — when your decisions align with your values, you feel joyful; when they conflict, you feel stuck.
• The chapter provides a powerful values-discovery exercise and as with an understanding of your values, you're equipped to make more empowered financial decisions — including which debts to prioritize and why certain purchases drain you.
• The chapter provides a powerful values-discovery exercise and as with an understanding of your values, you're equipped to make more empowered financial decisions — including which debts to prioritize and why certain purchases drain you.
Chapter 13:
Your Emotional Guidance System
• You will learn to use your emotional responses to debt as a decision-making guide to discern the most empowering repayment order.
• The chapter introduces and compares the 'snowball' and 'avalanche' debt repayment methods, and shows why emotional resonance can be more important than pure mathematics.
• You will discover that debts with the strongest negative emotions (shame, fear, helplessness) are often the ones most worth tackling first to free your energy and shift your identity.
• You will learn to analyse the emotional attachment behind each debt, so repayment becomes a series of empowering identity shifts, not just financial transactions.
• The chapter introduces and compares the 'snowball' and 'avalanche' debt repayment methods, and shows why emotional resonance can be more important than pure mathematics.
• You will discover that debts with the strongest negative emotions (shame, fear, helplessness) are often the ones most worth tackling first to free your energy and shift your identity.
• You will learn to analyse the emotional attachment behind each debt, so repayment becomes a series of empowering identity shifts, not just financial transactions.
Chapter 14:
Navigating the Rocks In The Road
• This chapter explains how childhood beliefs ('I'm not good enough,' 'I'm undeserving') become deeply encoded identities that block every conscious effort to change your finances.
• You will understand why change feels threatening at a subconscious level, and with powerful practices learn to recognise the root causes of your sabotaging patterns and reclaim the power to create lasting change.
• You will understand why change feels threatening at a subconscious level, and with powerful practices learn to recognise the root causes of your sabotaging patterns and reclaim the power to create lasting change.
Chapter 15:
Releasing Resistance
• The chapter shows that procrastination, overwhelm, impatience, and burnout are all forms of resistance and how to transform resistant states into receptive states.
• You will learn a step-by-step for any moment of resistance: shift your focus, change your environment, and find an easier activity at the matching frequency of your desire.
• You will learn a step-by-step for any moment of resistance: shift your focus, change your environment, and find an easier activity at the matching frequency of your desire.
Chapter 16:
Slaying the Saboteurs
• You will learn to identify the specific self-sabotaging stories you tell yourself daily ('I'm undisciplined,' 'I never finish anything') and understand how they become self-fulfilling prophecies.
• The chapter teaches that the stories you identify with get mirrored by your reality.
• Sanae's revelation about 'I never stick at anything' — traced through a torn ankle ligament, inconsistent business income, and abandoned routines — is a masterclass in pattern recognition.
• The chapter teaches that the stories you identify with get mirrored by your reality.
• Sanae's revelation about 'I never stick at anything' — traced through a torn ankle ligament, inconsistent business income, and abandoned routines — is a masterclass in pattern recognition.
Chapter 17:
Your Results Never lie
• This chapter shows how to reverse-engineer any unwanted result to uncover the chronic thought pattern behind it, turning frustration into a breakthrough tool for self-awareness.
• You will understand that the Law of Attraction is always operating — when you think it 'isn't working,' it is simply returning exactly what your dominant frequency is broadcasting.
• You will be guided through a practical call-to-action to analyse your own unsatisfactory results, isolate the chronic thought pattern, and consciously choose a new story to replace it.
• You will understand that the Law of Attraction is always operating — when you think it 'isn't working,' it is simply returning exactly what your dominant frequency is broadcasting.
• You will be guided through a practical call-to-action to analyse your own unsatisfactory results, isolate the chronic thought pattern, and consciously choose a new story to replace it.
Chapter 18:
The God in Me, Is Me
• This chapter is the uplifting conclusion that true transformation is not achieved when the last balance is cleared, but when you shift from shame to worthiness, from chaos to calm, and from lack to abundance as your default state.
• The author's highway moment — 'I did this!' — captures the feeling of recognising your own creative power in the joy you are experiencing right now, not just in future goals.
• You will leave with the understanding that joy does not wait for the debt to clear — and that living as if you are already Paid in Full in mind, heart, and spirit is what brings the physical reality into being.
• The author's highway moment — 'I did this!' — captures the feeling of recognising your own creative power in the joy you are experiencing right now, not just in future goals.
• You will leave with the understanding that joy does not wait for the debt to clear — and that living as if you are already Paid in Full in mind, heart, and spirit is what brings the physical reality into being.
You’ll learn step by step how to transform your life from one that feels burdened and burned-out to one that is Paid in Full and Prospering.
Meet the Author
Sanae Floyd is a powerhouse business coach and sales mentor for service based entrepreneurs, and the proud founder of EXTRAORDINARY ENTREPRENEUR™
With over 2 decades of experience in sales, Sanae helps entrepreneurs across the globe to master the psychology and the strategy for success, working with them to increase their impact and their income.
