This book is designed to assist you in learning the fundamentals of personal budgeting, give you the tools to determine your current budget, and identify areas of your budget where improvements can be made.

However, the budget is only part of the picture. This book also teaches you about individual net worth by providing tools to determine what your current net worth is and explaining why it is important. We’ll also demonstrate how net worth and budget are the foundation upon which you can build your financial goals and plans.

Budget! It’s Not a 4-Letter Word is written from the perspective that you’re looking to improve your personal financial management skills in the areas of budgeting, understanding net worth and financial goal setting. I don’t assume that you’re financially insolvent, financially inept or that you’re looking for my mother's recipe for tuna fish casserole in order to save a buck. Budgets are a very individual and personal thing. They are living and breathing documents that can change from month to month and even week to week. My hope is to help you understand that budgeting is a great personal tool, not something to be feared or dreaded.