The first piece of advice is to read this book one chapter at a time, digest the information in each chapter and apply the principles. Things such as ""Pay yourself first,"" planning for retirement and most importantly think of your personal financial situation as a business. If you manage your personal finances as a business you will become more aware of money coming into and out of the household. | Can I Ever Be Financially Free? YES by Ken Wharram, Paperback | Indigo Chapters