If youâ€™re afraid to open your bills, if youâ€™ve never added up how much you owe, if you canâ€™t even imagine being debt-free, itâ€™s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing whatâ€™s really important. Debt-Free Forever is Gailâ€™s step-by-step guide, and sheâ€™ll show you how to: figure out how much youâ€™ve actually been spendingâ€˘ calculate how much you oweâ€”and what itâ€™s costing youâ€˘ build a budget that worksâ€˘ maximize your debt repayments so you can be free of consumer debt in 3 years or lessâ€˘ prepare for a rainy day so it doesnâ€™t mean a major setbackâ€˘ set goals for your new, debt-free life. Make no mistake: Getting out of debt isnâ€™t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if youâ€™re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gailâ€™s plan, and start becoming debt-free forever.