If one of your goals in life is to eventually become free of debt and have the finances you need to live a comfortable life, then you need a bullet-proof budget. No successful person has ever reached success without creating a budget. The first step in achieving your financial goals is to establish a budget. The second is to create a plan that will allow you to pay off your debt. The third step is clearing your credit report of negative items that trap you in high-interest, outrageous terms, and pocket draining accounts that further keep you in debt. In this book, you will learn the first part of a 3-step formulated process. Upon reading this book, you will be able to set your budget up for success, master self-discipline,  feel more confident dealing with debt collectors, and become better prepared to tackle your credit when using the second and third edition of the Smart Finances Blueprint, the Debt Blaster Blueprint and the Credit Repair Blueprint.