This workbook is an empowerment guide to achieve financial independence. It provides strategies to enrich your life and tools for you to be more successful in money management. Each page includes detailed step by step instructions and thought provoking examples to sharpen your budgeting skills. It also gives alternatives to managing debt and improving your credit score. You will see that improving your finances is possible regardless of your current situation. Review each page in detail, compare the suggestions to your current strategies, and gain knowledge on sustaining a stronger financial future. This book will help you to overcome your existing challenges, empower you to change your spending habits and allow you to take control of your finances. This life changing book covers key topics such as: *Overcoming Budgeting Challenge *Alternatives to Increase Cash Flow *Strategies to Reduce Debt Balances *Steps to Improving the Credit Score *Disputing Items on the Credit Report *Credit Decisions to Avoid