I have always enjoyed writing. Even as a youngster in elementary school, I was always writing crazy fiction stories that I would read to my younger siblings and cousins. I started writing children's stories then moved to novels but never have finished one. Since I enjoy writing so much, I tend to put all of my goals into writing form, which is how this book was born. My book started as a goal for myself to pay off debt and credit cards. As I started working on how I was going to handle this, the goal list kept growing and turned into a type of program. It began to form into the book it has now become. I hope you get as much enjoyment and knowledge out of reading this book, as I did by writing it and putting it into place in my own life and financial state.