Many of us fritter away a lot of our income when we could be putting it to much better use. In this book, Hannah McQueen gives you the skills to create a surplus and then use it wisely. A mortgage is the biggest expense you'll ever have, and Hannah shows you how to pay it off more quickly, saving hundreds of thousands of dollars in interest payments.Whether you are just starting out and hoping to buy a house, building up your assets, or planning for retirement, this book is for you. It begins with "First things first"—your money personality, how to budget, whether to rent or buy, and how to save for a house or other big ticket item. It moves on to "Kill your mortgage" with Hannah's practical tips on paying off the mortgage as quickly as possible, and how to cut day-to-day costs. "Sort your retirement" will help you ensure you have enough funds for your retirement by creating a cash surplus and investing wisely. This book is not afraid to tackle the financial elephants in the room and discusses tricky issues that may at first be confronting, but ultimately informative and empowering. It is a practical go-to guide on confronting your finances and changing your habits for the better.