This book teaches you to understand how and why you got into debt and walks you through the process of becoming debt free in the most optimal way for your personal circumstance. People from all walks of life can (and do) get into debt, from the unemployed, to teachers, to surgeons. While different people work with different budgets, the methods in which they get into (and out of) debt are always the same. Learn how to:•Understand how and why you got into debt•Lower your monthly expenses effectively•Increase your income quickly and effectively•Pay off your debt as quickly as possible, exploring all options available to you•Change your mind set in order to become and stay debt freeFollow my fool proof, practical guide to “balance your books” each month and provide yourself with the maximum debt repayment budget possible. Use this budget in the most optimal way to become debt free in the quickest possible timeframe.