These days, everyone is looking for smart, practical ways to make every dollar count. The Everything "RM" Budgeting Book is the quickest, most painless way anyone can get his or her finances in the black.Unlike other financial books, The Everything "RM" Budgeting Book is not just designed for a onetime budget review and overhaul; it can be used again and again, year after year. The book features helpful advice on everyday budgeting, as well as how to successfully navigate such life changes as having a baby, financing college education, losing a job, and planning for retirement. Includes practical strategies for: -- Assessing where the money is really spent -- Economizing on the biggest everyday living expenses, such as housing, automobiles, food, and medical care -- Consolidating debt -- Preparing for worst-case scenarios The Everything "RM" Budgeting Book also discusses when outside resources such as loans, government assistance, and second jobs are appropriate. Supplemented with 75 worksheets that the reader can copy and use over and over again, this user-friendly book will keep readers financially healthy for years to come.