You were never taught how to manage money. At some stage of your life you were given the basics on how to make an income and pay bills, but were never taught how to take care of your personal finances. Many people like you want financial stability, but don’t know how to get it.
At least half of these people are living in what they call a state of persistent economic security. In other words, they can't see past their current financial needs because they're living paycheck to paycheck. When a person is in this state it's hard for them to plan for the future.
After the recession, many people found that they were not only living with less income and savings, but they also had poor credit.
This forces people to depend on high-interest credit cards to make ends meet. Others have to resort to short-term, high-interest payday loans to get through an emergency.
Improving finances is not just about making more money or cutting back on expenses. In order to improve a your finances to the point where you are financially stable, there needs to be a shift in the way you think about money.
Even with the help of this book it may take months or years to get your finances completely in order. However most people can see some type of improvement quickly. If you want to get faster results, you can make more sacrifices in your budget. However, with small changes and reductions a person can reach their goal, it just might take a little longer. Good Luck!