As a professional financial counselor, I have often heard people express the sentiment, They were not aware that the clients that just preceded them in counseling did yet were in no better financial shape then they were! In fact, statistics show that the more money Americans make, the more money they spend, plus the more comfortable they are with having debt. I have counseled many clients who made really good money, but could never at any given time of the month write out a valid check for $100! There is another important factor that must be considered in the pursuit of and that factor is better money management over the money we have. If this factor is ignored, one will never reach a satisfactory degree of financial stability. Someone needs to write a brief, easy-to-understand, common-sense book on how to handling money. As you may have guessed, this book meets that need! Its sole purpose is to show you, with an emphasis on managing money. Managing money is not an ability possessed at birth; it is a skill that is learned through experience. I can give you information you need to get started. You do not need a degree in financial management to understand where we are going! So, fill up your coffee cup, get out your pen and paper, and let's commence!