If you have debts you are Not Alone! According to data taken from The US Census, The Aggregate Revolving Consumer Debt Survey and The Survey of Consumer Finances, 160,000,000 Americans possess credit cards, which is just over half the population of America! More amazingly still, the average credit card debt of $7,219 per household in 2010! So, if you are feeling pinned down by credit card debt, you are certainly not alone! The average indebted American is now poorer than their 1980 counterparts! And this isn't just an American problem; rather it's a global problem! Since the end of world war two there has been a consistent push on behalf of the financial sector to push loan facilities, credit cards and all sort of other debts down our throats. We have become a debt based society and even though the 2008 financial meltdown demonstrated the flaws in this system, mouthing really changes as the world economy is based upon debt. While there isn't much that any of us can individually do for the world economy we can step back and take back control of our finances. In much way the financial reality is like a fence and people are on one side or the other. On one side are the indebted and on the other side are the financially free. While many people repay their debts, within a short space of time they find themselves back in debt all over again. in this book you will be thought not only how to repay your debts but also you shall be thought how to become financially free, for the only way to guarantor your long-term financial wellbeing is to move from debt to wealth and it can be done. We are not talking about get rich quick schemes here; rather we are talking about sensible strategic action, regardless of income, which over time will radically change your financial reality from debtor to investor and from poor to well off! In this book you will learn about: * The five keys to financial freedom * Debt reduction programs * Debt settlement programs * Bankruptcy * Budgeting * Financial planning * How to maintain a budgeting diary * Medium to long -term goal setting * The mind-set reburied to shift from debtor to investor! In this comprehensive book you shall be shown with step by step and practical instructions how to turn your financial situation around. There are no gimmicks, but rather it takes a clear assessment of your financial reality combined with strategic action to turn things around, but it can be done and can be done effectively even if you are an ordinary person earning an ordinary wage! Take the jump today, forget about what everyone else is doing and start to take responsibility of your financial wellbeing back into your own hands!