Over many years and in different ways, I’ve helped many people with their personal finances. Managing money is either something that appeals or is the complete opposite. Either way, it’s best to be in control and make money work for you. This workbook will help anyone take stock and get financially fit. We start from scratch, with a straightforward structure and a simple budget mechanism to understand your current situation. The plan is to ultimately take control and make decisions with your money, based on outgoings you can control, and income that you can identify, multiply, and get working for you.