Do you find it difficult to manage your finances? Are you having a hard time paying off your debts and other financial obligations? What about improving your credit  score? Being able to manage one’s financial resources is one thing everyone wants in order  to have a healthy financial life. But how can you do that when you seem to be buried  deep in debt and bulk of payables including taxes?   Discover what it means to become financially literate. Familiarize yourself with not  just the basic terms but ways to effectively managing your money. Know your current  financial status and have a better assessment of it so that you will know where you  stand exactly. You can go on a shopping spree but first, be sure to make a list of the items you will  need. Trim down expenses, look for better alternatives, learn to save and invest at the  same time. Income should be flowing towards your wallet so you need to find for  extra income too. You can also cut down on taxes by learning how to avoid taxes. And  not only that. Pay off your debt and get rid of onerous interest rates by learning how  to negotiate with your creditors. Shield your future by applying the practical tips contained in this book. Look forward  towards your financial goals and you will surely be safe and sound.