This book has been co-written by Kevin Whelan and Brian Bennis. Over the years, they’ve helped thousands of people manage their money, particularly those who have mortgages, loans and credit cards.

They discovered that most people’s financial arrangements are rarely planned, created more by accident than by design. Yet, when given a basic understanding of money and a simple plan to follow, people not only thrive, they often become wealthy.

Spurred on by the realisation there is precious little unbiased information available about the one subject that touches us all – money – they produced this book. It’s the result of their years of research and experience, succinctly revealed in plain English.

Their philosophy is simple.

"When you owe money to anyone, you need to follow a plan to repay it as fast as possible."