The goal of this Action!BookTM is to help you avoid common mistakes and instead to take control over your money, that is to say, take control of your life. You will find simple, easy-to-understand explanations of how to do that, and these are followed by practical exercises that help you to apply what you just learned to your own personal situation. This is not a theoretical book, nor is it an attempt to explain in detail the theory or philosophy behind effective money management. It is, rather, a practical guide to be used by you as a tool to improve your ability to use your money in the service of your own values and goals.