This helpful debut by debt-resolution attorney Tayne, written in a straightforward, easily understandable, and nonjudgmental style, is a must-read for anyone struggling with debt or financial management. Using accessible language and a no-nonsense approach, Tayne starts by defining good and bad debt, differentiating between various types of debt, and demystifing terms such as secured and unsecured. She then provides a clear explanation of how to make a budget and why debt must fit into it. Throughout the text, Tayne emphasizes that there is no shame in finding oneself in a difficult situation, providing reassuring, factual tips on reducing expenses, getting back on track, and restoring good credit. She punctuates her advice with short “Life and Debt” tips (“All debt is good debt until it becomes unmanageable”; “Your life goals and finances must run on parallel tracks”) and personal stories of individuals she has guided through debt reduction, from a woman who had 10 store credit cards to a man who treated his 401(k) “like an ATM.” This is a useful, nonthreatening guide for anyone needing assistance with overall financial management. (BookLife)