Budgets are boring.  How many times have you heard people tell you to cut out spending on things like eating out and coffee so you can  pay off debt?  Is a few cups of coffee really going to put a dent into a $1000+ debt?  Is working multiple jobs and putting all of your money in someone else’s pocket really in your best interest?

I’m Joy Oliver and I am one of a number of people who believes that you can pay off debt and still enjoy life while saving for your future.

Are you on Facebook?  Find out how to get a copy of the upcoming book, Keep the Fun, Plan for the Future for free.

You can also get the a sneak peak of the book here.