“Making Friends with Money” is the definitive guide to confident and skilled money management. Readers learn how to determine spending priorities and categorise these in a cashflow plan. They receive detailed guidance how to manage inflows and outflows, how to compare this with planned expenditure and how to identify areas where spending may need to be adjusted. Readers discover why these are essential prerequisites to achieve clarity over their income and expenditure and for learning to live well within their means and watch these means expand. As their cashflow plan develops it gives them greater clarity on finances and brings more choice, which results in a growing sense of prosperity: Clarity = Choice = Prosperity. Cashflow planning is a fluid and flexible approach to build wealth when compared with traditional budgeting. It helps readers to identify their real needs and desires and assess their financial position in a fact-finding, non-judgemental way. They quickly benefit from being able to increase their savings and decrease their debt. Readers learn the significance of different categories of debt e.g. priority, secure and unsecured, and the steps required to repay it. The clarity provided by their cashflow plan also gives them strength and confidence in dealing with creditors. Readers discover how to establish a contingency fund to avoid taking on new debt and how to take responsibility for financial decisions be clear about the consequences. They learn how to become innovative in searching out other potential sources of income. Readers are shown how to adopt a balanced approach to dealing with surplus money/windfalls. Dealing with feelings and learning to feel good about money is all part of this process. This concept is reinforced by the introduction of “frivolous” expenditure, or treats, into their cashflow planning. Readers are shown how to establish a hierarchy of their personal needs and the way to combine this with their cashflow plan. They learn how to:- • Focus on their future and set goals, not only financial, but those relating to their external and internal environment; • Use their hierarchy of needs as a basis to formulate a future vision and eradicate negative feelings of aimlessness, annoyance, resentment, fear and anxiety; • Establish a savings strategy and link it to their cashflow plan to help achieve their vision; • Allocate surpluses using the prosperity formula. “Making Friends with Money” gives encouraging real life examples of steps some have successfully taken to realise their visions. It also provides a summary of all the financial records required and how to link them together. There is a final review how applying what readers have learned enables them to put in place the four elements that provide them with everything they need to live prosperously and achieve their vision. No matter what happens in their life “Making Friends with Money” is their own personal finance coach that gives them the ability to maintain clarity and choice to adapt money management to their personal circumstances.