Years ago I had a period of time where my income was cut in half, it was a crisis. I was spending everything I was making and had no savings to speak of. Those times were so bad that it caused me to do the unthinkable, live on a budget.
Over the years of being a volunteer budget coach I realized that most of the people coming in to see me were in crisis, there was not a great deal of time to get them on a full blown budget. They had to make some financial decisions to keep from going under and I had to develop a plan to help them survive.
For your free copy of “The Crisis Budget” go to my volunteer web page http://hirepatriots.com/heroes and see the free book download on the right.
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Patrick Mellody