Today’s guest is Chris deVries, a former banker who provides personal financial counselling to people of all ages. He advocates a straight forward approach to resolving money problems, and on today’s show he gives many practical examples of strategies to deal with debt issues.

He discusses the importance of knowing where your money goes, and then taking steps to save money. He gives practical examples, including a strategy to reduce cell phone costs.

Through his many years of counselling Chris has worked with many people in what appear to be hopeless situations, but he believes that despite how serious a situation may appear, there is always hope.