From the Author: Some of us find we are in debt and wonder, then ask the question, "how on earth did I get into such a mess?" Debt does have a way of creeping up on us if we lose sight of what we are doing and where we intend to go. We might decide to renovate our home and find any number of hidden problems that invariably cost us money - usually more than the money we had put into a budget to cover the initial renovations. It's very rarely that...