Why do some people go through life with few money worries-while others have endless financial struggles? No doubt those with few troubles have learned to apply the wise principles of money management. Tired of being anchored down by a boatload of debt? The Art of Debt-Free Living gives you sure-fire strategies to stretch your present income and brainstorm a workable money management plan. Discover: . The subtle factors that lie beneath your lifestyle choices . Tips for creating more cash flow . How to safeguard your family's future security Sail into financial freedom with seven simple worksheets and cruise the safe harbor of budgetary contentment-on calm financial seas! "No one asks, 'Should we be debt-free?' What many don't ask (but should) is, 'How can I become debt-free?' Nayrocker's book is filled with practical, common-sense ideas. This isn't a book for everyone. This is a book only for those who seriously want to get out of debt and stay out of debt." - Cecil Murphey, writer, co-writer, and ghostwriter of more than 100 books, including Gifted Hands, Rebel with a Cause, 90 Minutes in Heaven, and Committed But Flawed.