Financial empowerment guide to help you achieve financial independence. It is a must have for all consumers. Patrice Brand provides her personal secrets and proven strategies on how to budget your money, manage your debt, and improve your credit score. After reading this book and completing the recommended exercises, you will be inspired to take control of your finances and change your spending habits.

Patrice Brand is an author and financial consultant. She shares her story to empower consumers to live their best lives with financial freedom. She came from a poverty-stricken neighborhood, and through hard work and determination; she became an educated woman, successful in business and in life.

As an Accounting professional, she quickly advanced within her organization to obtain a management level position. As a new manager, Patrice successfully restructured an accounts receivable department through automations and process improvements and managed a portfolio of millions in a fast-paced corporate environment.

Patrice applied that same fortitude and planning in her career toward the improvement of her personal finances and the development of a financial literacy training program. She shares her personal financial struggles and her journey to financial independence.

Through responsibly managing her finances, she was able to purchase her first home before the age of 30. Patrice is passionate about sharing her personal secrets and proven strategies to help others to achieve her level of success. She has 15 years of experience providing financial literacy training. She provides tools to prevent, manage, and reduce debt. Patrice understands how financial struggles can also lead to stress and anxiety and provides her clients with actionable plans to effectively improve their finances and change their spending habits.