Debt Consolidation is an excellent solution when it pertains to managing our finances. But, that's only the first step. Learning how to manage our finances is the second step needed when it pertains to managing our finances and becoming debt free. Designing a budget to manage our personal finances, and achieve financial security is usually information that we can immediately put to use. Kimberly Credit is dedicated to improving consumer education through our on-line Financial Responsibility Education program. 

This 11-part audio program has been specifically designed to help you with taking your second step to financial freedom.  Here is where you will be shown step-by-step how to take control of your finances by learning:  

• Learn the secret to understanding priorities and resolving conflicts and apply it immediately to your life.
• Reality check. Financial tracking, credit, and a brief exercise with astonishing inaccurate results.
• Underestimating, falling short and taking control. Learn what it actually costs you to live each month and overcome financial helplessness now.
• Money in, Money out. Learn exactly what you will need to fulfill your debt free destiny.
• Blueprint Flexibility. Acquire the knowledge to handle your financial responsibility intelligently.

This informative audio program is guaranteed to provide you with helpful budgeting tools and guidelines. Designed specifically to show you how to get control of your finances, and keep you on the road to financial freedom.

Audio 1    Audio 2    Audio 3    Audio 4    Audio 5
Audio 6    Audio 7    Audio 8    Audio 9    Audio 10    Audio 11

All of the audio segments in this section are in MP3 format. You may want to directly download the program by right clicking on the hyperlink of your choice above and save directly to your hard drive. For our visitors with a slower internet connection, the real audio links are provided below.

Audio 1     Audio 2    Audio 3    Audio 4    Audio 5
Audio 6    Audio 7    Audio 8    Audio 9    Audio 10    Audio 11

*In order to do worksheet #2, ideally it is best to have on hand the previous years expenses. If that is unattainable, then it is highly recommended that you maintain a financial log book for at least one month. A financial log book is actually a financial journal that is maintained as a record for every dollar spent - large or small. Maintaining a financial log book for at least one month will give you a general idea as to what your monthly expenses will be. Keep in mind, all figures utilized in all worksheets are approximate and are subject to change.