I am sharing tips from a book I reviewed in 2005 while being the Business Coach Host at Bella.

Besides this book and her others there are quite a few web sites that can provide the information you need to achieve your goal. Fiscal fitness work outs and goal setting worksheet.

Whether you need to lose a few pounds of debt, or a truckload the good news is in this book.

Ellie Kay is the author of the Debt Diet. This book has 220 pages and I encourage readers to read it. She speaks to live audiences of 6,000 people or more. She is a speaker and bestselling author of seven books, she has appeared on hundreds of TV and radio programs including CNN, Fox New Channel, CNBC's Power Lunch, the international radio show, Money Matters, and Simplify Your Life, a reality TV series for the Fine Living Network.

Before the author married her husband, Lieutenant Colonel Bob Kay, a retired F-117 stealth fighter pilot, Elliot was a successful insurance broker who never used a coupon. The author and her husband married with $40,000 in debt, and even though her husband took a $15,000 pay cut in his new job they were still able to become debt - free in 2 1/2 years by following the author's step-by-step method to save money and pay down debt.

There are nine different money personalities: Achievers, Entrepreneurs, High Rollers, Hunters, Money Masters, Perfectionists, Producers, Optimists & Safety Players.

There are several key money styles that people possess: The Saver, The Avoider, The Overspender, The User & The Balancer.

Barbara Reinhold, a career coach at Monster.com "perhaps it goes without saying, but you have to take strategic risks to earn and grow money."

David Bach's encourages readers to give 10% of their income away to nonprofit organizations.

Donald Trump has the same twenty-four hours as we do! Why not look at donating your time to a non-profit? Giving time does not substitue for donating money to an organization.

If you took your change and threw it into a jar, adding a few dollars here and there, you could easily invest $100 per month.

Learn to cut your food budget in half. Take whatever money you save from coupons and immediately write a check in your savings account for that amount.

There's never been a better day to start saving for the future than today. Decide upon three action points you can take. Pick one significant way you can be generous or share this week and two more ways you can kick your savings up to the next level. Writing your goals down makes them move likely to happen.

Your finances didn't get chaotic overnight, and they're not going to get organized in one hour either. One way to accomplish this goal is to cover one topic per workout.

Fighting about money can cost you money.

Raising a money-savvy kid will grealty heighten his odds for having a successful marriage one day.

It's amazing how conservative a child becomes when she's not spending Mom and Dad's money, but her own.

RAISING FISCALLY FIT KIDS The author's daughter took a year off midway through college to earn money for her education so that when she returned to & graduated from Columbia University, she could do so with minimal debt. She earned scholarships, was part of a work-study program, and made minimal use of student loans. Her smart move meant fewer bills when she got married.

It is extremely important to realize we don't have cookie-cutter kies - they are all different and uniquely gifted. It's not that one child is smarter or better behaved than the other, they are just operating on different time-tables.

The author eleven year old son went to the grocery store. He was buying groceries for his sister and her new husband to help them set up their pantry in their first home.

The son total for the grocery was $28.60 before coupons, but afterward it was only $1.80.

The author's family saved over $8,000 last year on food, toiletries and cleaning products.

But life has a way of turning the tables on us. It led to the opportunity for the author to conduct seminars, write books and eventually appear on TV sharing this wonderful story with others.

Who would have thought way back when Ellie & Bob were struggling like crazy to pay down their 40k-debt that one day, their "problem" would be turned around to help save the lives of one million strangers in a far-away land.

Ellie Kay is the author of The Debt Diet.

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