Are you living from paycheck to paycheck? Are your credit cards maxed out? Are your debts crushing the joy from your life? You may be like many other people who live on 110 percent of their income. Like them, you may be trapped in a cycle of chronic indebtedness. This book offers you a realistic, accessible, non-threatening approach to getting out of debt. You will learn: how to take control of your spending, how to assess the seriousness of your indebtedness, how to avoid unnecessary expenses, how to spend less for essentials, and how to break bad credit habits.