Should you go on that vacation? Or should pay off your credit card bill? You can do both. And this book will show you how. Passion understands the tug of war that results from managing your current finances while preparing for future financial goals. So she wrote this book to equip the reader with tools and strategies to prepare for their future while living in the moment. In the book, Passion introduces you to the foundational personal finance concepts she used to pay off $27,000 in credit card debt in one year. It is important to her that readers are able to tailor the book's concepts to their personal experience, so she included worksheets to assist you in writing your own financial story. The worksheets also emphasize the three pillars of this book: Financial Clarity, Financial Accountability, and Financial Empowerment. This book will enable you to: 1) be proactive in your financial planning, 2) create goals that bridge the gap between your values and your spending habits, 3) create a budget based on your goals, 4) stop living paycheck to paycheck, and 5) determine the appropriate debt repayment plan for your situation.