When the cashier asks if you want to pay with cash or credit, what will you answer? "Paper or Plastic" written by Jerri Simpson, also known as The Debt Lady, provides the basics of personal finance. From being a debt collector to now being a debt educator, with over 30 years of experience. This book touches on subjects such as budgeting, interest rates, evaluating your income versus expenses and financial planning to ultimately achieve your goals. She provides actual worksheets for executing your financial plans as well as helpful tips you can begin to use today! This book doesn't teach you how to save a few extra dollars on your gas bill every month, this book teaches how to understand and overhaul your finances! Not only will you be presented with priceless information but it is also an entertaining read with illustrations and personal stories. The Debt Lady says, "Your journey to financial freedom is only a page away."