Free and Clear: Master Your Money and Escape the Debt Trap

"This is great. Straightforward, concise, simple, practical advice for anyone struggling with never having enough and trying to make ends meet from someone who has been there and done that." Doug G
How to manage personal finances, pay off debt and avoid future indebtedness. Topics include finding your net worth, recording income and expenses, financial planning, how to save money, how to pay off debts, budgeting, how to avoid bankruptcy, spirituality of money. Includes resource guide and bibliography.