From the Author
This guide is for the individual who has the desire to get out of Financial bondage and into Financial freedom. There are not a lot of "how to" guides that can relate to certain situations with the "average Jane" or "average Joe" in regards to understanding credit, using credit wisely, getting out of debt, warning signs to look for and ways to maintain a debt-free lifestyle.
That lack of "straight to the point" style became my inspiration to develop a "how to" guide on financial freedom by changing the way we think, combined with specific techniques to put into action rather than a lot of theory and fluff in between. Other people wanted the same thing; a guide with specific details and resources on how to obtain financial success.
About the Author
Ruby J. Wallace is a Financial Assistant for an affiliate of the University of Chicago. She writes from experience, as her debts at one time were in excess of $12,000. Since she had no savings, she utilized her credit cards and soon found herself in financial trouble. She worked her way out of debt and is happy to share the techniques she used in this booklet.