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If You Have a Regular Income - You Can Be Debt Free

Charles Black

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Smashwords Edition

Copyright 2011 Charles Black

License Notes: No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise without the prior written permission of the publisher. Unauthorized reproduction is subject to criminal as well as civil liability.

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Keep this workbook in front of you every day. Review and update it constantly. It should be in paper form in front of you in a file folder as a constant reminder to keep up the good work.

The only way to make it happen is to be diligent and determined in your efforts.

If you have any comments, questions or suggestions, please contact us.


phone: 224-795-7171

For copies of all of the forms, please download them at the site below.

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~ Introduction ~

A note from the author:

This workbook has been developed for those of you who have an income but are still finding yourself overwhelmed by debt and expenses. The purpose of this program is to help you to either avoid, or overcome personal financial distress. I am a professional management consultant to businesses and individuals who have successfully utilized this program. I know these methods work because I have used them with literally thousands of clients. As with any program for self improvement, you must follow every detail so that you will be successful.

Contained within this workbook are following steps:

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