Testimonials from Professionals "Developing good money skills and tackling debt issues are critically important for Canadians regardless of their stage of life. Congratulations for presenting this important subject in a practical and entertaining manner." Scott Hannah, President & CEO Credit Counselling Society "Pam has a compassionate and encouraging writing style, designed to get you moving in the right financial direction. If you want to be on a positive financial management journey, then this is the book for you." M. Beth Page, Author of Change Happens: Your Guide to Navigating Change Using the 5C Model "Pamela recognizes the significance of being self-aware and has given readers exercises and self-assessment tools to help them achieve a greater sense of who they are and how to manage their money more effectively. Brava, Pam." Kathleen Gurney, Ph.D., CEO of Financial Psychology Corporation and author of Your Money Personality: What It Is and How You Can Profit from It Testimonials from Readers "I made it through 55 pages of the book, up to Module 4. I have started to write down my goals as well. I think your including the reasons why people spend rather than just ‘how to fix the problem’ is very helpful. Insight as to the reasons that motivate people are a good wake up call for the reader! I look forward to meeting you at the seminar. Thanks for writing your book!"Lisa M. “I now have the tools, confidence, desire, goals, and a compelling reason to succeed in all areas of life. I know that I can create abundance and have financial Freedom in my life. You have the desire to change lives, you will be rewarded. I thank you.” Ralph W. “I have a bigger picture now, and know what to do between paycheques. I have a better idea of where I’m going and what I can do to get there." Raymond W. “My willingness to take action came from spending time in this program. I have now added to my investments and got back on track. I paid off all my unsecured debt and high interest loans. I read the book cover to cover more than once!” Janet F. “The spreadsheets and budget resources I will keep and continue to use in future. Overall a good experience. [I] found myself procrastinating but found the emails helpful with keeping on track. There was nothing specific that wasn`t relevant, all of the material taught me something new.” Jason H. “This truly is a great program and truly believe that what you are doing is wonderful work.” Karen G. “I appreciated the focus on behaviour change and awareness of values/habits, etc. Also, the REALISTIC approach in budgets and debts was refreshing.” David P. "[the program] was really helpful. I was able to make changes and set goals, and have already achieved some of them!" Gillian M.