Never put together a budget before? Not sure what a “net worth” is? This 40-page book will help you figure out a budget, calculate your net worth and put together a plan for your financial future, all using plain English. It’s designed for people who are new to personal finance or have struggled with the basics of budgeting in the past. In addition are simple tips to help you plan for the worst, so you can protect yourself and your family as much as possible against job loss, foreclosure or catastrophic illness.