In this practical, easy-to-use guide to managing your finances and your life; Steve Gehrmann advises the reader ways to avoid financial pitfalls, reap the benefits of planning ahead and simply enjoy life without becoming a slave to your checking account. Learn to master your money situation and gain wealth, success and happiness with what you already have as you continue to go after all you want in life. Learn how to improve your life, be less frustrated with daily struggles and be better with your money. With a positive approach to managing your money you will be able to come up with your own spending plan, understand how credit works, repair damaged credit, learn to save money and be ready for your future. It's never too late to start if you start today. You'll learn how to rack up savings - and wealth - instead of debt in this informative and motivational guide that doesn't just teach you how to manage your money but how to live in the present and enjoy everything life has to offer.