You are likely here because you have done your best to manage your money, yet keep finding yourself back in debt.

First, know that you are not alone.

Second, know that you cannot expect to know something you have never been taught!

Third, know that your debt situation can get better.

Many people are in debt. They, perhaps like you, are a combination of scared, frustrated, overwhelmed, and deep inside, disappointed that they got themselves 'into this mess'.

I have been there. And, I taught myself how to get out of there. I am not there anymore and have not been for decades.

This isn't luck. It's not magic. Winning the lottery isn't going to solve your problems (though that doesn't stop my husband from trying). But if you do hit the big one, it would be nice to know you have a plan in place for responsibly managing your new money.

With practical guidance from someone who still follows this approach daily, you can develop these 'DEBT-LESS' habits that put you in control of your finances, for good! Through these books, you will discover how to use some simple financial tools to your advantage. And you will learn some pretty neat tricks along the way, too.

No matter where or how uncomfortable you are with managing money, there is a DEBT-LESS Approach for you!