Too often, many spend more time on preparation rather than the solution. Could it be that many are fearful of what they find or is it that they don't want to face the truth? Either way, in order for you to change your financial habits, you must uncover the truth about yourself. Habits don't form overnight and it won't instantly change. It takes 21-days to form new habits, think positive over your finances, and find ways to save money. Upon completing the workbook you will be able to perform the following: Learn your financial behavior Track your money Declutter your finances Save more; spend less Improve your self-worth You will also have new exercises throughout the workbook. In order for you to effectively change your financial habit, you must fully engage in the activities and refer to your responses each night."