Smith Steven B. Money for life. 12 Weeks to Financial Fitness. Budgeting success novel

In2M Corporation, 2003. — 80 p. — ISBN: 1-55517-454-X.Today we live in a society driven by financial excesses. For some, the compensation for this lifestyle is often poor health, debt, or even the demise of the family. While the nineties were arguably one of the most prosperous decades in history, collectively we are pursuing a course that will ultimately leave us financially destitute. Total consumer debt in the United States exceeds 1.7 trillion dollars.1 In the early nineties, according to the Economic Policy Institute based in Washington D.C., the average household debt was a staggering 80 percent of annual net income. Today, that number has
grown to an unbelievable 109 percent. The number of those seeking protection from creditors through personal bankruptcy is growing at an alarming rate.
The resulting stress has severely impacted families. Studies show that financial issues are the number one cause of contention in homes and the number one contributor to divorce. While many of us may not directly experience personal bankruptcy, far too many are making choices daily that have the potential of bankrupting their financial future and destroying their ultimate happiness.
The good news is that despite the worrisome financial dynamics of our complex society, there are now tools available to help reverse — or all together avoid — the downward cycle of debt, daily financial stress, and frustration. Here is the story of a couple who were able to change their life and successfully set their course in the direction of financial freedom through the use of a remarkable tool especially designed for use in today’s financial world.