If you're afraid to open your bills, if you've never added up how much you owe, if you can't even imagine being debt-free, it'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 what's really important.

Debt-Free Forever is Gail's step-by-step guide, and she'll show you how to:

• Figure out how much you've actually been spending
• Calculate how much you owe - and what it's costing you
• Build a budget that works
• Maximize your debt repayments so you can be free of consumer debt in 3 years or less
• Prepare for a rainy day so it doesn't mean a major setback
• Set goals for your new, debt-free life

Make no mistake: Getting out of debt isn't easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you're finished with excuses, overdue notices, and maxed-out credit cards, buy this audiobook, follow Gail's plan, and start becoming debt-free forever.