The Budget Kit: The Common Cents Money Management Workbook

Overview

The bestselling guide to getting finances under control—now fully updated and revised for these financially challenging times.

“One of the most usable resources we’ve ever seen.”

Money magazine

No matter your financial goal, a well-defined budget is the first step to achieving success. The Budget Kit offers consumers a foundation of knowledge, advice in reining in out of ...

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Overview

The bestselling guide to getting finances under control—now fully updated and revised for these financially challenging times.

“One of the most usable resources we’ve ever seen.”

Money magazine

No matter your financial goal, a well-defined budget is the first step to achieving success. The Budget Kit offers consumers a foundation of knowledge, advice in reining in out of control spending, and necessary background information on personal investing.

Judy Lawrence, trusted budget coach and personal financial counselor, uses straightforward and easy-to-understand exercises to teach readers how to meet their financial needs and goals.

The Budget Kit is filled with forms and tools for record-keeping, including:

  • Monthly budget worksheet
  • Debt repayment worksheet
  • Online information record
  • Medical expense record
  • Flexible spending record

The Budget Kit is fully revised and now includes an updated online resource guide that directs readers to helpful websites for additional information on spending guidelines, credit card debt, and recovery issues.

 

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Editorial Reviews

From the Publisher
“A foolproof way to organize and maintain a personal budget.” Publisher’s Weekly

“I recommend The Budget Kit over other budget books because it doesn’t just give you blank spaces to fill in. It really explains the hows and whys. Even if you’re already in debt it can help you pay off those debts when you know where the money is.” —Terry Savage, Author, The Savage Truth on Money

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Product Details

  • ISBN-13: 9781607148609
  • Publisher: Kaplan Publishing
  • Publication date: 1/4/2011
  • Edition description: 6th Edition
  • Edition number: 6
  • Pages: 240
  • Sales rank: 337,634
  • Product dimensions: 8.50 (w) x 10.94 (h) x 0.50 (d)

Meet the Author

Judy Lawrence, MS Ed., lives in Silicon Valley and is a Personal Financial Counselor, Budget Coach and popular speaker on basic money management. Her master’s degree in counseling enhances her skill in helping people manage their money. Judy has been a frequent guest on TV and radio including CNBC, WGN, Iyanla Show, CNN Radio, USA Radio Network and Business Talk Radio and featured in Money, Kiplinger’s, the Chicago Sun-Times, and San Jose Mercury News.

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Table of Contents

Preface viii
Prologue x
Introduction: How to Use The Budget Kit 1
Living in a Cashless Society 7
Online Information Record 15
Part 1
Net Worth Statement 21
Setting Financial Goals 23
Identified Goals Worksheet 25
Goals Savings Record 26
Needs/Wants List 27
Part 2
Yearly Budget Worksheet (Non-Monthly Anticipated Expenses) 33
Gift Giving Worksheet 40
Christmas/Holiday Expense Worksheet 42
Monthly Budget Worksheet 43
Variable Income Worksheet 60
Windfall Planner 66
Multiple Sales Monthly Planner 67
Debt Payoff Record 71
Debt Repayment Worksheet 78
Credit Card Purchase Record 80
Monthly Expense Record 84
Summary-for-the-Year Record/End-of-the-Year Tax Information 113
Part 3
Medical Expense Record 119
Flexible Spending Record 122
Tax-Deductible Expense Record 124
Miscellaneous Expense Record 127
Investment/Savings Record 130
Savings Activity Record 134
Retirement Savings Record 135
Child Support Records 136
Child Support Payment Record 138
Child Support Enforcement Record 139
Child Visitation Record 139
Subscription Record 140
Online and Mail Order Purchase Record 141
Recommended Reading 145
Online Resources 149
Mvelopes Personal 151
Index 157
About the Author 160
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Sort by: Showing all of 10 Customer Reviews
  • Posted April 29, 2009

    more from this reviewer

    Best Budgeting Book I've ever used

    This Kit, by far, surpasses all Budgeting Books I've ever tried to use and research. The most EFFECTIVE thing that my husband I did for our budget was to create a Reserve Savings Account where we put all NON-monthly expenses in...the author and the forms used to create the Reserve Savings is superior to anything I've ever used. AND, it's easy.

    And THE BEST part about using this book and actually practicing the steps, was that no matter how many "one-time" payments my husband I racked up in a month (whether they be doctor's bills, DMV Registration fees, etc), we always had money left over. Now, we don't make a lot, so feeling like we had extra cash laying around every month was such a great feeling.

    Don't feel overwhelmed when looking at the forms, especially when you haven't read any of the material that goes along with the forms. Once you read her introductions, the forms are easy to use and understand, so don't get caught up with the look of the forms at first glance. Good luck!!

    1 out of 1 people found this review helpful.

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  • Anonymous

    Posted August 24, 2012

    Really helpful!

    Great book!

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  • Posted December 31, 2011

    more from this reviewer

    love it

    im soo glad that i have it helps with 2012

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