Simon Chapman was born in England and has spent much of his life living and working in several countries around the world. Five years ago, having accumulated a great deal of personal debt during the course of a varied life, through a mixture of his own financial ignorance, circumstances of his own making and just plain bad luck, he resolved to fix his personal situation. Now, with a great deal of hard work and self-education, he is mercifully debt-free and shares his personal experience with others, in the hope that they can avoid the mistakes he made.