You see something you like and automatically reach for that old credit card. You ALWAYS use the card. Right? Why t? BUT, can you really afford it? In order to answer that question with any degree of accuracy, you need to have a budget. Not sure? Then you may benefit significantly by re-thinking your finances. After reading the entire book, you should be able to complete your own personalized written monthly budget using the budget elements in this book. You too can have a good budget and live within your means. The goal of this book is to help interested persons be successful and, therefore, affect their entire lives and sense of financial well-being---to be successful in managing personal finances and plan for a comfortable, stable future!
About the author . . . Dr. Nancy Marie Barnes A native of California, Nancy Marie Barnes graduated from college with a BA and then obtained her Master's degree (M.A.) and Doctorate (Ph.D.). Throughout her professional career, she utilized her writing skills, publishing various literary works. In addition, she simultaneously has been writing novels, poetry, nonfiction, screenplays, and web sites. The concept of service to others is her motto. Thus, this book is dedicated to sharing with and helping others . . . in assisting interested persons, young and old, in being the best they can be. This book is dedicated to you, its reader.