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Table of Contents:
- Ben and Naomi: what they didn't know
- Bud and Sandi: where indulgence leads
- Jackson and Linn: expect the unexpected
- Beth : the importance of thinking ahead
- Penny: how easy it is
- Ben and Naomi revisited
- Understanding Bud and Sandi
- Jackson and Linn: if you fail to plan
- Back to Beth and Penny
- Bill and Andrea: time to grow up
- More about credit: establishing, avoiding, improving
- Bill consolidation loans
- Dealing with creditors
- Living with bankruptcy
- Where to find help.