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It is critical to get your finances in order and it is possible to start today. This book was written to encour- age you to start thinking and talking about your finances, reducing bad debt, saving for retirement and tak- ing action. These days, many people have questions about finances, high debt levels and difficulties get- ting started to attain financial freedom. The reality is that debt is manageable and having discussions about money and being honest with yourself can help you with your financial success. Act today and be- gin to recover financially.

Your positive financial future starts with thinking about your financial future. You can start by cutting up your credit cards—just do it and start using cash for all your expenses. Handle cash in your hands, take out what you will need every week and start making decisions with every purchase. Figure out exactly what you are spending your money on every month and figure out exactly how much money you are spending. Make the decision to trim your spending in certain categories of your spending—you make the decisions that work best for you and that will empower you to make more decisions and act on them.