Get on the Program to Financial Fitness
12-Week Plan Emphasizes Creating, and then Sticking to a Spending Plan

Spending less than you earn is the key to creating stability and long-term financial fitness. While many people create a budget or spending plan at some point, few stick to it for the long haul.
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Flex Your Financial Muscles
New Budgeting Book Provides Blueprint for Financial Fitness in Just 12 Weeks

According to a recent Money Magazine article, American consumers have become deeply addicted to spending, running up ever higher debt levels in order to live in a fashion that is well beyond their means. The result is often unhappiness, financial difficulty, and in some cases financial ruin or broken homes. The good news is that despite these bleak trends, tools are available to help reverse, or altogether avoid, the downward cycle of debt, daily financial stress, and frustration.
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Debt for Life?
New Survey Reveals Americans Want to Get Out of Debt But Don't Stick to A Budget

"I have a good idea of what I can afford, so I don't need to budget." According to the Money for Life Survey, 57 percent of respondents who don't regularly maintain a budget share that idea. Yet, consumer debt levels continue to rise, with the most recent figures indicating credit card and car loan debt at about $18,700 per household, clearly indicating that there is a need for increased budget and spending management among Americans. People are simply continuing to spend more than they make.
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