Make the most of your money with this simple step-by-step guide to creating a budget! Does opening your credit card bill make you anxious? Do you always run out of money before your next paycheck? Do you want help establishing and sticking to a budget? Budgeting for Beginners will help you build the confidence you need to take on short-term and long-term financial problems and goals. This revised pocket guide includes how to: Save and invest money.Set up a budget you can stick to.Pay off your credit cards in a timely manner.Avoid habitual budgeting mistakes.Along the way, you'll complete a 12-step program for creating a reasonable budget you won't want to break. This will help start you on the road to financial freedom and control!