I wrote this guide to help anyone who wants to FINALLY take control of their personal and household finances … in order to Fix Their Personal Economy!

I am not a "financial expert or guru". I am just a hard working mom (of two very active boys) who has adopted some common sense, practical and $MART Frugal Living strategies because I know how important it is to make every $MART penny count!

I was constantly battling the daily demands of my household expenses. I was in that situation and I knew I desperately had to make a change ... FAST!