We are bombarded every day by Commercial Advertising for products that we may or may not need. The advertisements are enticing and placed everywhere we turn. Simple things are placed at the checkout point in every store to get you to include them with your shopping cart of what you already decided to buy. All this becomes an effective way for sellers to get you to part with more of your income. Building up the willpower to just say no is what we will work together on so you can keep your mind focused on the ultimate goal. The Ultimate Goal is to live within a reasonable Budget, establish savings and investments, and only take on manageable debt or have the ability to live debt free.