Many feel they have a good handle on personal finance, that all they need is more income. Creating a budget is a waste of time, and investing is for the wealthy. Too often people will see something on sale and pay for it on their credit card feeling they have saved money. These are misconceptions that result in financial stress and problems.
Take a short journey into the facts and data that will show why personal financial management is important, and gain insight into what you can accomplish with what you have, and how to effectively reduce debt, build credit, and prepare you for the increase in income so the increase can be managed wisely to maximize the long-term positive impact on your financial well-being.