Author, Dr. Sharon Lee Graham,  D.C. COUN. Th.D.
 
The purpose of this workbook is to encourage you to work toward success by providing hands-on instructions and worksheets.  This workbook is to be used as a tool to help you work through the process of keeping track of your financial obligations.  My desire is to share some information that helped me tremendously, and I believe it will be of value to you.
 
There are principles inside this workbook that will help you manage your finances and be financially stable during hard times.

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