Most of us have experienced some level of financial stress. The burden of debt causes a negative shift in our daily lives. Our intentional and unintentional behaviors have led us to this quest for information.Less Debt, Less Stress will help you to define the life you want to live. This book will put you in the drivers seat of your finances. Using The Transtheoretical Model, you will learn how to be intentional in your journey to wealth building. No longer will you be stuck in precontemplation. his book is catered to those of us that are new to wealth building. Together we will explore credit restoration, budgeting, and saving. You will arrive to your destination with Less Debt, Less Stress.