We are serialising our eBook- 'Help-I've got no dosh!'. Here is an excerpt of the first chapter on finances.

Chapter 1  Finances

Sometimes this is an uncomfortable topic that can generate a lot of anxiety. If you have debts though, as most people do then its time to take a deep breath and really look at what you owe especially if any of the following apply to you.

·        Your credit card balances are steadily increasing but your income is steady or decreasing.

·        You can only afford the minimum repayment on your cards.

·        You are juggling bills and using credit cards for essential items such as food or utility bills.

·        You are near the limit on your credit cards.

·        You are working overtime or have a second job just to pay off your debts.

·        You do not know much you owe and are scared to find out.

·        You are hiding the extent of your debts from your partner or loved one.

·        You avoid answering the telephone to creditors and are worried about bailiffs calling.

·        You constantly worry about money.

·        You have used or are considering using ‘pay day loans’ just to get by.

       Please check out our eBook for more advice. Follow this link.  http://www.smashwords.com/books/view/164781