Many people's excuse for not setting up a written budget is that they don't have enough money to budget, or they think it would be too complicated. What they don't realize is that they do have a budget -- they have income and spend it on expenses -- they just don't have a written plan. They don't control their money; their money controls them. The great thing about having a budget is that you decide where your money goes. This book presents the basics of budgeting in an easy-to-understand format that uses a one-page budget form. It explains the real purpose of money, how to use a checking account, and how to deal with things that can wreck a budget -- like credit cards. Book jacket.