The Basics of Effective Money Management in a 3 part program. 

Saving-Tracking-Planning:  Develop the necessary personal money management skills to improve your cash-flow and learn to live within your means with no financial stress.  Most people using these principles typically "find" $50 to $600 of their own monthly income to pay towards specific goals or debts, savings or investments and retirement.

Nail Down Debt: Discover a simple method to pay off debts without additional income.  See how you may be able to pay off your credit cards in merely months rather than 20 or 30 years or even longer!  Principles work well on mortgages too.

Wise Use of Credit: Learn how to improve your credit score to prevent sub-prime financing on credit cards, cars, homes and other big-ticket items.  Focus is on explaining the "ins" and "outs" of credit, predatory lending and prevention of identity theft.