According to recent statistical reports, at least 70% of Americans are neck deep in debt with an average credit card balance of $6,375! But it’s not secret or even news that most Americans are in debt and living paycheck to paycheck in spite of the country being one of the richest in the world. Having a budget and budget goals is the first step towards financial planning, and a comfortable life in the future. However, many people get frustrated with budgets and dump them after a few weeks or months. I’ve even heard people say that budgets never work. If you’re one of those people who feel personal budgets don’t work, or if you’ve been struggling with your finances, this is the book you need. This book contains proven steps and strategies on how to create an effective personal budget, and helpful tips and tools to make budgeting interesting and effective for you.
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