Is creating a budget frustrating for you? Are you tired of trying to reachyour financial goals, but being stymied by all the confusing terms? In HowTo Do I.O.A.L.: A Simple Financial Blueprint, Bernard H. Dalziel lays out afinancial blueprint that can help us all to better understand our finances. Atthe same time, Bernard shares stories from his challenges, and how he turnedthem into opportunities.

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