Money has so much to do with our moods, behaviors, actions and reactions. Money has been cited as a factor that controls or affects health physically and mentally. And of course it determines financial health. The 10-Minute Guide to Beating Debt states that “Money is freedom. It gives you power.It gives you choices. Life is less scary when you have it. And it is fun to spend, even when the money you’re sending isn’t yours. That’s the problem. It is easy to get into the habit of spending money before you earn it.” You must gain and maintain control of your money or it will control you.