Broke-Free Forever is the essential financial literacy resource: the complete guide to personal money management life-skills Broke-Free Forever provides practical strategies and advice that can be used immediately. This book is chock-full of insider information, tips and tricks for making small changes today that will provide you with long-term financial benefits and the habits to move you toward financial freedom. Broke-Free Forever focuses on three areas: self awareness, financial literacy, and behaviour change. Broke-Free Forever has more to offer than any other book on personal money management. Broke-Free Forever provides insights into: the 'why' behind your money behaviours your money personality why budgeting often fails how to set goals that you CAN achieve how to fix the discrepancy between how money enters and exits your life the costs of debt (that your banker and your mom didn't tell you ) how to improve your credit rules of engagement for resolving disputes and conflict access to the on-line resources, exercises, downloads and e-support "