The Budget Kit, 3rd Ed. [Paperback]

“A foolproof way to organize and maintain a personal budget.” —Publisher’s Weekly

“I recommend The Budget Kit over other budget books because it doesn’t just give you blank spaces to fill in. It really explains the hows and whys. Even if you’re already in debt it can help you pay off those debts when you know where the money is.” —Terry Savage, Author, The Savage Truth on Money --This text refers to an alternate Paperback edition.

One of the best-loved roadmaps in the budget management genre, The Budget Kit is purchased year in and year out by its legions of dedicated fans who have learned to make budgeting as second nature as breathing. Judy Lawrence makes it easy, with this proven workbook for getting your financial house in order.

Covering everything from daily expenses to retirement and investments, child support, medical expenses, mail order purchases, gift giving, and tax deductible expenses, it offers an overall view of personal and family finances in monthly and yearly snapshots. The Budget Kit helps consumers:

*organize and maintain daily and monthly records of financial information
*use Internet resources wisely and well
*plan and manage finances, even with irregular paychecks
*reduce debt using the unique debt-reduction calculator
*anticipate monthly and yearly expenses, avoiding unpleasant surprises
*gain confidence and financial peace of mind

More than 50 graphs, forms and charts make the budgeting concepts crystal clear, and embody the hands-on attitude necessary to take charge of personal financial management.

Budgeting Just Got Easy

Simply having money does not necessarily guarantee your ability to manage it. In an age of information overload, many of us simply don’t have the time, knowledge, or organizational skills to set up a simple, functional system for managing our daily, monthly, and yearly finances. That’s where The Budget Kit comes in—practical, comprehensive, and easy-to-use, this bestselling classic shows you how to put your financial house in order and take the first steps toward financial independence.

Even if you are using a financial software program, you will find the concepts in The Budget Kit to be essential to your understanding of budgeting. Whether you make $30,000 or $100,000, if you follow the guidelines in this manual, you will be well on your way to creating the freedom and ability to achieve your personal and financial goals.

Praise for previous editions of The Budget Kit:

“The Budget Kit is a budgeting workbook that’s truly usable. Judy Lawrence breaks the job into easy-to-take steps.”

—Kiplinger’s Personal Finance magazine

“One of the most usable resources we’ve ever seen.”

—Money magazine

“I recommend it over other budget books because it doesn’t just give you blank spaces to fill in. It really explains the hows and whys. Even if you’re already in debt it can help you pay off those debts when you know where the money is.”

—Terry Savage, Author, The Savage Truth On Money

“A foolproof way to organize and maintain a personal budget.”

—Publishers Weekly

Judy Lawrence, MS Ed., is a popular speaker on basic money management. With a master’s degree in guidance and counseling and a passionate interest in helping people manage their money, she was a natural to become a personal financial counselor. She has recently joined Bizfinity, a start-up e-commerce company in Silicon Valley. There she is part of a product management and support team helping small businesses run their business Web stores and accounting on the Web. A frequent guest on TV and radio, Judy has been interviewed or featured in Money, Your Money, Kiplinger’s, the Chicago Sun-Times, the San Jose Mercury News, as well as on CNBC (“Dollars & Sense” and “Money Club”), Knowledge TV, WOR (“The Dolans”), USA Radio Network, and WGN.