The words debt, grace and happiness aren’t often used together. But here they’re a matched set because you’ll remove debt with ease and grace and the result will be a sense of accomplishment and happiness. You’ll be unlike anyone the creditors have ever spoken to. The conversations will flow and you’ll be amazed by the creditor’s willingness to help you. The path toward solvency and prosperity will not be difficult. Best of all, it will be on your terms. A year from now you may wish you had started today. Discover how to replace debt with savings, and struggle with ease.