We all live in a consumer society and want what everyone else seems to have; regardless of whether we need it or can afford it. We want it all and we want it now. There's nothing wrong with treating ourselves but in excess it can be dangerous. A decade of unprecedented economic growth and easily accessible credit has created a mindset and a way of life that is simply not sustainable.

As a result, more and more people are in debt or struggling to get by and more and more people need advice. It doesn't have to end with you wondering how you will be able to pay the bills, stressed and drowning in debt. But it is vital to take action now, before it is too late.

In this audiobook René Carayol, straight-talking presenter of the cult BBC TV series 'Pay Off Your Mortgage In 2 Years', will help you Sort Your Finances Out by guiding you away from the financial rapids and back towards calmer waters without losing your ambition or aspirations. René Carayol offers practical advice on how YOU can be better off and avoid the sinking, claustrophobic feeling of being in spiralling debt with no game plan for getting out of it. This is real, practical advice that avoids complex theory and unobtainable goals; it is a look at best and worst practice from 'ordinary' people trying to clear their debts and striving to realise their dreams of financial freedom. www.carayol.com