How to Create a Budget and use a Spending Plan

A budget is a guide that tells you if you are headed in the right direction financially and is an important part of managing your personal finances. Budgets fail because people have unrealistic expectations, use a budget incorrectly, or don’t have a written plan. The purpose of this book is to overcome those problems and teach you how to use a realistic spending plan so your budget works effectively. Additionally, this book provides lots of money-saving tips and strategies that will save you hundreds, if not thousands of dollars each year. In these difficult economic times, who doesn’t want to save more money?