this simple step-by-step guide to creating a budget!

Does opening your credit card bill make you anxious? Do you always run out of money before your next paycheck? Do you want help establishing and sticking to a budget? Budgeting for Beginners will help you build the confidence you need to take on short-term and long-term financial problems and goals.

This revised pocket guide includes how to:

• Save and invest money.
• Set up a budget you can stick to.
• Pay off your credit cards in a timely manner.
• Avoid habitual budgeting mistakes.

Along the way, you'll complete a 12-step program for creating a reasonable budget you won't want to break. This will help start you on the road to financial freedom and control!