I cannot tell you how much your book has help me. My wife and I have cut our spending and are more aware of the latte factor every day. We have been able to save $3500.00 in two months, by just being smart with our money. I also got rid of these high intrest rates on my credit cards!! I did like you said and found a bank that gave us 8 percent on the interest rate instead of 12 percent. I have passed this book on, and have to say that this book realy and truly changed my way of thinking and attitude towards life and money. Thank you so much and may God Bless you and your family!