Free and Clear is a basic guidebook to help the reader to manage their personal finances. It shows how to find your net worth, track expenses and income, start saving and pay off debt. Personal finance self help book. Topics include financial problem solving, analyzing personal finances, net worth statement, organizing, recording and tracking of expenses and income; creating a personalized financial plan, savings, negotiating with creditors, money management, debt repayment, motivation, decision making, spiritual issues, resources and bibliography.