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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 have you paying off credit cards, setting up a budget, and sticking to it in no time at all.. This pocket guide includes:- Expert advice on saving money- Professional guidance on avoiding habitual budgeting mistakes- A twelve-step program exhibiting how to create a reasonable budget you won't want to break