Credits, debts, loans is all is an obstacle on the way of achievement of financial prosperity. In a book the real advices are collected about that, how it is correct to manage the promissory loading, whether it is needed in general to take credits, whether it is possible on credits to begin to work etc. It is not boring theoretical letups, and practical recommendations based on experience of author. To be financially literate in our days is a not simply additional competense, it necessity caused by time. We every day run into the decision of financial questions, and it is necessary to learn them correctly and, most important, "painlessly" for your financial state to decide.