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Terry Gasking correctly forecast the massive Recession five years before it happened and named its timing as 2008-2010 with another decade for recovery. He warned of the effect it would have on the personal finances of so many people. In this book he guides the reader through some very simple steps by which they can manage their Income and Expenditure and avoid the pitfalls of DEBT. This is a book that should be read by every person with an unpaid balance on their credit cards; or with a Mortgage, or any Loan or Overdraft. It is also a book that every young person and student should read to ensure they set their finances up securely and avoid the miseries that come with a lifetime of debt. It is the book that can bring about a lifetime of financial security and happiness.

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