Get your spending under control and create a budget that will get you on the road to financial freedom. In an age of information overload, many simply don't have the time, knowledge or organizational skills to create a simple, functional system for managing personal finances. Now in its fourth edition, The Budget Kit: The Common Cents Money Management Workbook is a best-selling classic that has helped hundreds of thousands of people across America develop effective budgets and gain financial freedom. Even if you are using a financial software program, you will find the concepts in The Budget Kit to be essential to your understanding of budgeting. In the completely revised and updated fourth edition, Lawrence tackles the unique challenges faced in the digital society in which we live. The increased use of debit cards, automatic withdrawals, direct paycheck deposits and online bill payment systems have distanced us from our money like never before. Lawrence guides you through the electronic shift to a cashless society, and keeps you connected to your money. This new and updated edition also comes with budgeting starter software to help you achieve your financial goals.