Our society, the advertising industry and the credit card companies tell us we can “have it all…today.” Yet many of us are struggling to get by, with little or no savings, perhaps uncomfortably in debt and dreading bills. We're not taught money management skills in school or at home, so we learn to cope by trial and error. Some things work…and some don't.

Underlying Attitudes and Beliefs

When you begin to understand the underlying familial, emotional and cultural factors that have shaped your behaviors, you can then make better choices. Learning cash flow management techniques can help you prevent debt, pay off debt once and for all, and live debt free…without sacrificing your needs and wants.

Improving the Picture

If you think about it, paying off debt is easy. You've done it several times already. The problem is that the pesky debt keeps coming back, and there's nothing that leads to despair quicker than paying large amounts to get rid of debt only to have to put something on a credit card later that month. It doesn't take much to reverse your progress.

When Ms. Bross works with people for whom debt is an issue, she focuses initially on what needs to be in place to prevent debt. What needs and wants aren't being met appropriately? What process is in place for taking care of annual expenses? After the preventative measures are in place, she helps her clients develop a debt repayment plan. This plan leads to debt-free living that can be sustained and enjoyed.

Contact Susan Bross by phone at 415. 479. 1290 or email

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