If you are looking at taking control of your finances, then this is the journal to start with.
There are some areas to consider before jumping into the "pay it off and buy more" phase. When you pay off debt, many just run it right back up. However, by using the right tools, and using what you have around you - one might be surprised at how much money they can save.
I loved this book, and it gave me a lot of tips and tricks to paying down debt, and then keeping it gone.
Now, I am going to put into practice what I have learned, and pay off debt for good!