Recent studies say one in four American workers is seriously distressed about his personal financial situation. Add to that the uncertainty of the economy and there becomes an increased need to improve personal and family financial management.

Richard W. Ebert Jr., director of Employment Resource Services for The Church of Jesus Christ of Latter-day Saints, says: "Financial problems are a source of much unhappiness and are certainly a major factor in family and work difficulties. Unresolved, they can lead to crushing debt and divorce."

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