Publisher's Synopsis
Planning and sticking to a personal budget can be tedious. Actually, a lot of people dread budgeting as much as they dread going to the dentist. Unfortunately, you do need to take time to design and adhere to a budget, but the benefits of doing so are infinitely greater than the costs. Budgeting is the first step to saving money. A budget is your guideline in spending your hard-earned money to make sure you save money and only spend what you can afford. This technique ensures a surplus you can use to pay off any existing debts or save for the future. When you live on a budget, you must make careful decisions about how you spend your money. You will not be tempted to make impulse purchases because each purchase or payment is made based on an objective decision-making process. Another advantage of having a personal budget plan is that you can allocate your limited funds to both your present needs and your future goals like retirement, your children's college education or even your own home. When you do not have a budget, it is quite easy for your funds to slip through your hands, and you end up barely making ends meet. Hence, saving money is an excellent endeavor. This book contains proven steps and strategies on how to effectively save more money, so you no longer need to struggle to live paycheck to paycheck. Even during difficult times, you and your family do not need to suffer and live a deprived life. You can take control of your finances and provide for your family. The tips and techniques included in this book are easy to implement, so you can start saving money in all areas of your life. Always keep in mind that you deserve to be financially free. It is up to you to claim the independence.
