Anyone suffering under the crushing weight of debt knows how impossible it can seem to find a way out. It's overwhelming--and the more complicated the proposed solution, the harder it is to stick with it.

That's why The Debt-Free Spending Plan is SIMPLE. It doesn't require sifting through chapters of high-minded financial advice or digging up your past spend ing history. It assumes you need help RIGHT NOW, and gives it to you. You will learn to:

- Downsize expenses without feeling deprived

- Allocate money as it comes in and put together an easy-to-manage...