Our course was written from both perspectives of having to start from in-debt climbing to zero all the way to being debt-free. Our philosophy, "Budgeting in THREE Dimensions," is one that guarantees budgeting success when used in all three phases. Most people fail at budgeting because they only perform the first phase which is the Projected Budget or mapping the budget before the month begins. This is a very important step, but it guarantees failure if it is the only step applied. Our course addresses the mindset required to become successful in money management skills and how to properly execute a budget.