Go to In the Trenches--Budgeting for Financial Survival and Recovery to obtain a free ebook copy of In The Trenches--Financial Survival During Times Of Hardship.
Carol Schultz has graciously offered this book as a gift for the New Year. I have the book, started reading it and misplaced it. Her story of financial recovery during times of hardship has hardships I could never imagine. You will be mesmerized. Her writing is very accessible. You won't have to figure out what financial terms she is using.