Dread the sound of the ''B'' word -- budget? This easy-to-use journal and planner is for you!

Take control of your money by tracking your income and expenses.

• User-friendly worksheets for tracking income and spending, and for planning ahead.

• Easy-to-follow principles of successful budgeting and personal finance.

• Strategies for managing your income, with tips on bank accounts, debit cards, and more.

• Practical flexicover wire-o binding; stays flat for ease of use.

• All this in 48 easy-to-use pages!

• Measures 10-1/4'' wide x 7'' high.