Patrick Alvarez

“I’ve never been great at managing my money well! I used to always survive from paycheck to paycheck, becoming increasingly worried as the month went on. I’ve had overdrafts, credit card debt and loans hanging over me that I shouldn’t have had. It’s never been massive but I never seemed to get out of it as there was always something new that needed money (Birthdays, holidays, fixing car, etc.).

That’s when I came across Inge’s book on the 100 steps to financial independence. These easy to implement steps have inspired and helped me to take control of my money! It’s been 6 months and I’ve just made my last payment to pay off all of the debt I had, I’ve been continuously saving towards the downpayment on a house, I’ve been inspired to start a small business on the side, and most importantly am feeling happier than ever!

Although the book gave me the steps, more importantly it gave me the inspiration and motivation to take control of my finances. I wouldn’t say I’m financially independent, but I believe that it’s possible now and am committed to achieving it!”