Are you tired of owing and not owning? Are you ready to get out of debt and stay out of debt? Are you disgusted how much money you have given to creditors? Finally, are you ready to do the work to eliminate your debt? If you answered YES, then this book is for YOU! It is time to leave Excuse University and learn the Power of NO! Part of my assignment is to help people understand that you can’t make excuses as you experience poor credit even if it is the result of tackling life’s challenges, and we will discuss that within this work. As well, within this study, we will look at areas such as selecting the right opportunities to build your credit and pursuing a shorter-term mortgage than the mortgage company offers. There are benefits to having a 15-year mortgage versus a 30-year mortgage. One of the most significant benefits is the savings of thousands of your dollars over the life of the loan. This and more will be presented in this book. Now that I have stimulated your appetite with a few tools and insights that will lead you to financial freedom, let’s roll up our sleeves and prepare to move forward.Ready....set....it's time to start to take control of your future.