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listen i bought this book. its useless. a bunch of babble. thats it. you have to use logic here. if you are gettng in a financial trouble start planning. call the creditors ahead of time. most of them will work with you. but they will not work with you if are 30 days late. so dont. as for saving money. use coupons. cut the cable extras. cut going out for dinner and start cooking at home. smart foods. not junk. we have to do what our parents and grandparents did. we are a waste society. that has to change. pay stuff in cash. buy american. buy american.
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