Jonathan Sander & Peter J. Sander 
Budgeting for Beginners 

Make the most of your money with 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 have you paying off credit cards, setting up a budget, and sticking to it in no time at all.
This pocket guide includes:
– Expert advice on saving money
– Professional guidance on avoiding habitual budgeting mistakes
– A twelve-step program exhibiting how to create a reasonable budget you won »t want to break