Personal Money Management

This booklet and accompanying worksheets teach common sense, easy to follow methods for managing money and achieving financial goals. The book is writen for the average the average family that is struggling to meet daily needs while planning for the future. The book examines the concept of Value. It outlines a simple method for evanluating a family's spending habits. People get real pleasure from spending money, and the book discusses how successful budgets must provide some opportunities to spend. Achieving financial goals is very much like sailing against the wind. Using this metaphor, the book outlines a method for achieving long-term financial goals by achieving financial a series of short-term objectives. The main point of the book is: money cannot buy happiness, but if you mismanage your money you will create stress in your daily life and limit your ability to pursue your personal goals.