Are You Constantly Living Paycheck From Paycheck? Is your bank balance always in a state of diminish?Having you been borrowing money to pay your expenses?Don't even have funds for retirement?Want a change in your life? The REAL problem is not what is not your income, but rather, how did you manage your finances. 99.99% of our expenses are made without any form of planning. Why not... Learn how to manage your personal finance? This book sets to avoid too much fluff on personal finances, and the reader will find the content and its delivery devoid of burdensome theories and literature. The audience of this book is immediately immersed in ways of navigating out of bad debt to being an investor. The reader is not only knowledgeable but is also empowered to introduce others to personal finances management. The simple and friendly approach is meant to help demystify the issue of personal finances. Phil explored ways of taking control of family financials. This book further guides the audience through ways of drafting a debt repayment plan, and lifestyle adjustments. Phil also introduces you to planning for different money for different goals and walked you through ways of building a cash reserve but not hoarding it. Attention! Personal finance is NOT for everyone! This book is not for people: - Who doesn't want to take actions in life - Who are not committed for a change - Who doesn't care about themselves anymore If you are ready to learn about personal finance, scroll Up And Click On The "BUY NOW" Button Now!