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What our customer's say!

"Can't say enough great things about this book!", When i bought this book, I was deep in debt... i think i bought it with my credit card. When the book called for me to take a month to just write down each and every purchase, it was a shock that i needed to realize just how much money i waste every day. In a few months time, I was out of the hole i was in, and now using the tools i learned from that book, I'm completely debt free. During which time, I've paid off a car, and actually have a savings account! This book is worth more than words can say, but you have to apply to it and use the tools that work for you.

"A no nonsense hardcopy budget system", I have tried many software based budget programs and most contain features that are rarely used or very specific to certain users. This book provides a customizable, no nonsense, hardcopy based, useful system that needs no batteries, power cords or laptop connection. With this system you can work on your budget in the middle of the desert or on top of a mountain...no cords attached.

"Overly complicated", When your trying to set up a budget the last thing you want is a bunch of worksheets, and numbers. That's all this book is, worksheet after worksheet, that you end up half using since there are so many spaces that you don't need to use. My recommendation to those that want to set up a simple budget, add all up of your bills for the month, than divide by four. You'll get the total of how much you need to set aside a week to pay your bills. Than add your weekly expenses to that number, such as groceries, gas, and so on. You'll end up with the amount you need to make weekly to make ends meet.

"take your time.", I've used other budget books before, but this was much more extensive. I really liked the catagory breakdowns, I thought they were much more realistic for my lifestyle. To really use this book fully would take a bit of time, but that's probably good if your looking for budget help anyway.

"Not for the short attention minded", I got this for my husband and I...we have not put it to use. I thought it would be an easy read, but it's just not up our alley. I wanted something more for the simple minded...LOL.

Read this reviews before You buy...

"Great Book. Had to buy the online sheet as well", I carried it everywhere for a while, till I bought the online sheets. Easy to use and worth every penny spent. Glad to own.

"Worth a look. Supplemental guide.", This book is an excellent, budget, worksheet resource because it's the unplanned for, non-monthly, but still regular expenses that punch holes in any "monthly" budget plan. For those who've forgotten about quarterly, semi-annual, annual, birthday/holiday, etc., expenses it's a real eye opener. Couple that with modern society's growing use/dependency on non-cash transactions . . . credit cards . . . debit cards . . . prepaid cards . . . and most people don't realize how much they're actually spending at any given time/moment. But be FOREWARNED any new budgeters, this book is very weak on "overview" . . . there's no "big picture." A very simplified explanation of why one needs to do what, when, and how rolling into . . . "and this is how we get started" . . . is nowhere to be found. There's a reason one needs to initially track every expense (to identify what you're actually spending your money on) . . . organize that into some form of logical summary (determine the actual total cost of the lattes here, magazines there, fast food, etc.) . . . and develop a plan of attack if change is needed/required . . . is sorely missing. For those new to budgeting, it's not intuitively obvious. I was neither interested in nor cared that they included free budget (Mvelopes) software . . . but I did find it rather interesting that right out of the gate they discourage anyone from using Quicken or MSMoney with the quote, "I have found that for many people there is critical tactile and visual learning that occurs with the manual approach that does not happen as effectively electronically" . . . and then immediately follow that up with their software Mvelopes and all the great, wonderful things it too can do for you . . . guess the name of the game is ultimately still "Money."

"Finance", The cd I it came with I didn't find usefuls, bec it's a service you have to pay for. If you are seriuos about budgeting and getting on trak, it ok.

"Great for the new grad", As a parent, you can try to tell them what budgeting and saving entails, but the information was MUCH better received in the form of this book. As she sat reading it and said, "Oh, that's a good idea", I felt better about sending her into the world...and her first real job. This book covers everything a novice budgeter needs to know. Add it to the list of must haves for the newly graduated.

"Excellent Workbook no matter how smart you are..", With your finances. I recommend this workbook to all of those looking to master their debt and track their spending. The first step to financial success is to monitor spending and then subsequently control and pay down debt. This workbook allows you to get "down and dirty" with your day-to-day expenses and really see where your money is going. I also really like the various budgeting and net-worth tracking components. There are also helpful tips throughout the book to gain financial empowerment. I highly recommend this book and would encourage whoever purchases it to try the Mvelopes CD for the online budgeting system. I also think this workbook would be beneficial for teens and pre-teens to get a better handle on money and debt management.