If you're looking for a straightforward and highly-focused way to get control over your spending and debt, set realistic goals, and develop a plan for meeting them, then this series of guides and worksheets is for you. Your Money in the Balance takes a fresh approach. The guides are direct, empowering and to-the-point. No happy talk, no lengthy commentary, no assurances of "rainbows and unicorns" outcomes if you complete the guides, no doom-and-gloom forecasts if you don't. You've heard all that before.