1985

James W. Stone is the author of Spend Joyfully!, an easy-to-read "how-to" guide that explores money basics, offering tips on how to budget, live within your means and be mindful about spending. The book is a culmination of James’ personal experiences with financial debt. In the midst of returning to college full time for his undergraduate degree while paying child support, James began racking up debt on credit cards and student loans. After graduating, he had a great job, but soon realized that making good money isn’t enough to keep you from going deeper into debt. Unless he changed the way he managed his spending, he was going to end up in big financial trouble for a long time. Today, James maintains an excellent financial image by managing his financial lifestyle through attitude, budget and cash flow.