Do you find yourself saying things like, "Why am I always broke?" "Why can't I give my kids what the other kids have?" "Why am I always living pay day to pay day?" "Why can't my husband stop using the credit card?" "I have nothing saved for retirement." Following some of the steps in this book can make a big change in your life. Author Pam McClelland believes that money management is about behavior and habits, not spreadsheets and calculations. This book goes beyond what to do and into why you do it. One of saddest things Pam sees as a financial counselor is people that no longer set goals or dream dreams. They simply look at their bank balance and that determines what they and their loved ones will do next. If this has happened to you, this book can help...SO LET'S GET STARTED!