Are you living paycheck to paycheck?You don't need a belt-tightening budget. You don't need a second job. You don't even need a raise. What you need is the down-to-earth money strategies explained in this book.Carol Keefe has helped thousands of people take control of their financial future and realize their fondest dreams. Her money solutions are inspiring, easy to do, and instantly practical. She explains how you can: get out of dept by paying the minimum on your credit cardsand much more...Sound too good to be true? then listen to some of the people who have benefited from Carol's money strategies: Before, we just barely got by month to month. We had no savings and no plan. In three years my husband and I have had two children, gone from two incomes to one, and have saved $12,375 We're not only managing on one income, we're saving to reach our next goal - Teresa and Peter SparlingI went to Europe and Disneyland and paid for everything in cash. My income has been cut in half because of a divorce and I am still able to save money - Kathy van LeeuwenWe've gone from living in an 856-square-foot home just a few years ago to the house of our dreams. We've shifted from slipping behind to taking positive forward steps. There's no comparison to what our lives were like before and how they are now. - Ken and Joan Cole