FREE YOURSELF FROM DEBT

Are you struggling to clear your credit card debt? Are you afraid to open those monthly bills? Does your mortgage weigh you down? Would you like to know how to use loans for growing your wealth?

Whatever your situation, Paul Clitheroe – one of Australia's most trusted financial experts – shows you here, step-by-step, how to manage your debt and regain control of your finances. Using experience gained from his Money TV program, and the popular Money magazine, and including actual case studies, Paul offers straightforward advice on how to: • Avoid the most common debt traps • Identify and control problem spending • Create (and stick to) an achievable budget • Overcome credit card problems • Repay your mortgage faster • Eliminate 'bad' debt • Use 'good' debt to increase your wealth If you are overwhelmed by your finances, facing serious debt problems or just want to know how to manage your current finances better, this one-stop guide will help you tackle debt now to fast-track a path to a better financial future.

Paul Clitheroe is a founding director of leading financial planning firm ipac, and has been involved in the investment industry since he graduated from the University of New South Wales in the late 1970s. He has completed the two-year postgraduate course offered by the Securities Institute and is a Fellow of that professional body. He was a board member of the Financial Planning Association of Australia between 1992 and 1994; in 1993 he was elected the Vice President and in 1994, the President. From 1993 to 2002 Paul hosted the popular Channel 9 program Money. Since 1999 he has been the chairman and chief commentator of Money magazine. He writes personal finance columns for metropolitan, suburban and regional newspapers across Australia and presents Talking Money on radio nationally. Paul has been a media commentator and conference speaker for more than 30 years, and is regarded as one of Australia's leading experts in the field of personal investment strategies and advice. In 2003, the federal government appointed Paul Chairman of the Financial Literacy Taskforce. That body has since evolved into the Australian Government Financial Literacy Board, and Paul continues as Chairman. In 2008, Paul was appointed a Member of the Order of Australia (AM) for service to the community and the financial sector through the promotion of financial literacy. Paul, a keen sailor and golfer, lives in Sydney with his wife and three children.