Few of us are as good at making, saving and managing money as we'd like to be. It can be a complex and bewildering subject. But it doesn't have to be this way. This is a simple but brilliant practical guide to the main steps in mastering your personal finances - for now and the future. The step by step format makes it easy to follow and use, and it is packed with all the secrets of the best financial advisers, without all the jargon and mystique usually associated with money.