Joyce Pranion

Sitting at my computer one day about a couple of years into my unemployment, I couldn’t help but feel thankful to God for giving me the financial knowledge I had in the past which set us up to survive during that time. I realized that we made it with little difficulties because of the way we managed our finances.

I began writing this book which spells out the tools that anyone can use to take control of their personal finances. The words flew out of me faster than I could type. The book covers the following topics like how to take a personal property inventory for insurance. There’s a chapter that shows the steps to lowering your mortgage payments and lowering all your debt. It also explains how to make a budget and stick to it by focusing on spending habits. It even shows an easy way to balance your checkbook. There are tricks in saving without realizing you’re doing it. It also has a little wisdom from above.

I was very proud of my guide and wanted to share it with others but I found employment again and filed the words away on my hard drive almost forgetting about them for another year.

Ironically, I lost that job too. It was like God was giving me a wake up call. I remembered my draft and now am compelled by an authority higher than all of us to share it with you. May the words help you when you put them to use as they have proven helpful to me. God bless.