Do you find yourself living from paycheck to paycheck? Do you feel overwhelmed at the idea of coming up with a personal budgeting plan?If the answer is yes, this kit is for you. It's a step-by-step guide to getting yourself on track financially for the rest of your life. Along with all the necessary forms, it contains tips and information to help you create a workable personal budget. It simplifies the budgeting process, making it easy to create a solid, realistic plan. You will learn how to: . Set realistic financial goals. Trim your spending painlessly. Pay down debt methodically. Save and invest. Develop a retirement savings planAll the worksheets, forms, and checklists in the book are included on a CD-ROM for use on a Windows-based PC. This allows you to print out as many forms as needed, or even adapt them to your personal needs