These are excerpts from my book MONEY SMART MOVES, for the average family (or single). This book is a to-the-point, no nonsense approach to handling your debt, rebuilding your credit, managing expenses, and living better on what you make while working toward a brighter future.
The advice in MONEY SMART MOVES will literally change your life, if you follow it. Just a few of the money saving tips can save you many times the cost, and allow you to keep saving forever.

From the introduction:
"Do you want to take charge of your life? Do you want to be free from bill collectors forever? Do you want your familys' future to turn in a new direction? Do you want to retire with dignity?"
"Of course you do! Now, the question becomes, do you have the guts to make it happen? Can you decide you've had enough, and stick to it? Can you envision a brighter future for your children and grandchildren because you thought it all worthwhile?
If you think you can, let's get started on your path to financial freedom."
Just one of the tips included:
"Most electric companies charge as much as 15% more for 'peak' versus 'off peak' hours. This means do your laundry, run the dishwasher or clothes dryer, after 7 PM. Contact the company to find out what they consider 'off peak'. Also, ask them to send you a booklet on how to save. They're usually happy to do so, and may even do a home inspection for free."
"There, I just saved you 10 times the price of this book, and you can save forever."
Another topic, Retirement:
"The Social Security Administration is in trouble. With the ageing of the baby boomers, there are many more people reaching retirement age, and fewer workers paying into the system. ... At the very least, retirement age is moving up, medicare is being gutted, and benefits may be lowered. You really need to plan now if you want to retire with a decent standard of living. Don't count on the government, or your company, to be there for you, they may not be."
"So now that you've followed my advice, are debt free, have a full, fluffy security blanket, and have MONEY, how do you invest? I'll show you."
Have you ever heard of $1,800 coffee? Well, read the book and I'll show you where it is. Don't miss the great new ways to save that you probably never thought about. It's time to take charge of your life.
MONEY SMART MOVES can help you attain the goals you've only dreamed of in the past. You have to read it, follow the advice, and make changes in your lifestyle which may be uncomfortable at first.
One, two, or even three years down the road, you'll look back and thank the stars that you had the foresight and wisdom to create a bright future for yourself and your family. Buy it now at:
THE BEST DECISION OF MY LIFE
Thanks for visiting! I value my friends and family....Roger