Introduction

This manual is designed to help you gain better control of your finances, whether that is to help you reduce your debts, become debt free or to increase your
disposable income. We will teach you skills and techniques that will stay with you and remain valid for the rest of your life. This is a self help manual, it's is not a "get rich quick" scheme. Nor is anything we teach you illegal, immoral or fraudulent. This manual contains information that we can all use.
Over the years I have assisted many people who have been troubled by debt to overcome it and become financially stronger. Every time, I have given exactly the same advice, or if you like, formulae to beat debt and better manage their finances. It is that formulae that I am sharing with you today. This can help everyone to regain control of their finances and does not apply to only those in debt.
Its not magic, just common sense.
Hopefully by the end of this manual you will be able to understand your finances better and manage your money by applying the tips that I teach you.
Anyone who has problems managing their money can learn from this manual, regardless of your circumstances. We will put things in plain English so that anyone can understand it.
This manual was written to give you ideas and get you thinking about how you can help yourself to better control your finances by minimizing your outgoings and increasing your income. Not all of the ideas within this manual will suit everybody. Therefore, please seek independent advice before implementing the ideas
mentioned in this manual which may result in loss or require you to be bound by contracts.

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