In simple easy to follow steps, Ms. Binns’ new book, FROM THE INSIDE OUT: BREAKTHROUGH STRATEGIES FOR MASTERING YOUR FINANCES guides the reader out of the maze of financial chaos into a healthy, positive relationship with money.

A 2012 National Financial Capability Study revealed that :

• 19% of individuals reported that over the past year, their household spent more than their income (not including the purchase of a new home, car or other big investment),

• 56 percent don’t have three months’ worth of expenses saved up in case of emergency.

• 34 percent of adults..

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