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    With serious indebtedness on the increase in Australia, the time has never been better for a guide to help you avoid debt or break free of it. Australia's best-known financial adviser, Paul Clitheroe, explains in his typically clear, straightforward fashion how to control your money and escape the pitfalls of debt.

    Having cleared your high-interest personal "bad" debts, you will have taken a major step towards financial freedom. Then using "good" debt you can begin to build wealth. This book shows you how to stop debt from crippling you and how to use debt to your advantage.

    The 'Penguin Pocket Money' series is written in a clear, straightforward, accessible style that ensures a quick understanding of how to make the most of money - be it through shares, property, managed funds, superannuation, or simply by clearing debts in order to clear the way to start accumulating wealth. By following Paul's sensible and always reasonable advice, everyone's financial goals can become achievable.

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