If you've never created a budget before or feel overwhelmed every time payday arrives, FIRST TIME BUDGETERS: TRACKING SPENDING WITHOUT OVERDRAFTS is the practical guide you've been looking for.

Designed specifically for beginners, this book introduces a clear, step-by-step budgeting system that helps you organize your income, manage monthly expenses, avoid overdraft fees, and build healthy financial habits without relying on complicated spreadsheets or expensive budgeting apps.

Whether you're living paycheck to paycheck, starting your first job, managing household bills, or simply trying to understand where your money goes every month, you'll discover an easy budgeting approach that fits real life.

Inside this practical guide, you'll learn how to:

Create your first realistic monthly budget with confidence
Track everyday spending without feeling restricted
Separate essential expenses from unnecessary purchases
Build simple money habits that become part of your routine
Avoid overdraft fees through better cash flow planning
Organize bills before they're due
Understand income versus expenses clearly
Reduce financial stress with a repeatable budgeting system
Save consistently while covering monthly obligations
Make smarter financial decisions every week and every month

Unlike complicated personal finance books filled with advanced investment strategies or confusing financial terminology, this guide focuses on the fundamentals that matter most. You'll learn practical budgeting skills that are easy to apply immediately, regardless of your income level or financial experience.

The methods in this book are designed for everyday people—including students, young professionals, families, freelancers, and anyone beginning their personal finance journey. The goal isn't to create a perfect budget overnight—it's to build a sustainable system that helps you stay organized, spend intentionally, and feel more confident about your finances.

If you've ever wondered:

• Where did all my money go?

• Why do I keep overdrawing my account?

• How can I stop living paycheck to paycheck?

• How do I build better money habits?

• What's the easiest way to start budgeting?

This book provides practical answers through simple strategies you can begin using today.

With easy-to-follow guidance, straightforward budgeting techniques, and actionable financial planning methods, you'll develop lifelong money management skills that help you stay in control of your spending while building a stronger financial future.

Whether your goal is paying bills on time, reducing unnecessary spending, improving cash flow, or simply gaining peace of mind, this beginner-friendly budgeting guide will help you take the first step toward financial confidence.

Start your budgeting journey today and discover how simple, consistent money habits can transform the way you manage your finances—one month, one budget, and one smart financial decision at a time.

No matter where you are on your financial journey, building a successful budget starts with one simple decision: tracking your spending with purpose. This book helps you replace uncertainty with a practical plan that works in everyday life. Learn how to organize your income, prioritize essential bills, prevent overdraft fees, and create financial routines you can maintain month after month. With clear guidance, realistic examples, and beginner-friendly strategies, you'll gain the confidence to make smarter money decisions, reduce financial stress, improve cash flow, and build lasting budgeting habits that support a more secure and financially organized future.

“Sinopsis” puede pertenecer a otra edición de este título.

PBShop.store UK

Fairford, GLOS, Reino Unido

Vendedor de 5 estrellas

Vendedor de IberLibro desde 11 de junio de 1999

Tarifas de envío de Reino Unido a Estados Unidos de America

Artículo	De 10 a 20 días hábiles	De 10 a 20 días hábiles
Primer artículo	EUR 4,90	EUR 4,90

Los plazos de entrega los establecen los vendedores y varían según el transportista y la ubicación. Los pedidos que pasan por la aduana pueden sufrir retrasos y los compradores son responsables de los aranceles o tarifas asociadas. Los vendedores pueden ponerse en contacto con usted en relación con cargos adicionales para cubrir cualquier aumento en los costes de envío de los artículos.

Métodos de pago

Descripción de la tienda

**Please note our transit times are from the date of dispatch.** We first started out as “The Paperback Exchange,” a chain of physical bookstores where we would part exchange your beloved books for new stories to transport you to faraway places. However, as shopping started to evolve to online shops and marketplaces, we bid our stores goodbye to become “PBShop.” This transition has only allowed us to blossom as we now ship thousands of titles to book lovers across the globe. We pride ourselves in being a community of local book lovers which allows our passion and devotion to shine in everything we do. In 2020 we not only celebrated our 20th birthday but our 1st birthday as being completely employee owned after becoming an E.O.T in September 2019. We are proud to be different and embrace standing apart on a book mountain by working from a virtual inventory which allows us to provide thousands of books that may be difficult to get for your bookshelf or your studies. Working with a number of different suppliers allows us to explore other avenues such as puzzles, sheet music and even stationery so we really do have something for everyone. Life is about being versatile in all realms of existence. If this is your first purchase with us, or you are a returning customer, we would like to welcome you to the PBShop family, for there is no friend as loyal as a book. We are a company who put our customers at the centre of everything we do as we understand the importance of reading because once you learn to read, you will forever be free. There are a whole lot of things in this world of ours that we are yet to explore, which is why we will forever inspire curious minds.…

Especialidad

Hardbacks, Paperbacks

Información empresarial del vendedor

Pbshop.co.uk

Unit 22 Horcott Industrial Estate, Horcott Road
Fairford, Reino Unido GL7 4BX

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Returns Policy
We ask all customers to contact us for authorisation should they wish to return their order. Orders returned without authorisation may not be credited.
If you wish to return, please contact us within 14 days of receiving your order to obtain authorisation.
Returns requested beyond this time will not be authorised.
Our team will provide full instructions on how to return your order and once received our returns department will process your refund.
Please note the cost to return any unwanted order to us is borne by the buyer.
Should your order arrive damaged, not as advertised or faulty, we must be advised of this within 14 days of delivery. Please contact us so we can find the best solution for you.

Our Customer Care Team can be contacted by emailing alborders@paperbackshop.co.uk, or by calling our UK Office on +441285 712 917. We are available 9:00am till 5:30pm GMT Monday to Friday.

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Si es un consumidor, puede rescindir el contrato de acuerdo con lo siguiente. Por consumidor se entiende cualquier persona física que actúe con fines ajenos a su actividad comercial, empresarial, oficio o profesión.

Información sobre el derecho de desistimiento

Derecho legal de desistimiento

Tiene derecho a rescindir este contrato en un plazo de 14 días sin dar ningún motivo.

El periodo de desistimiento vencerá a los 14 días desde que usted, o un tercero que no sea el transportista e indicado por usted, adquiera la posesión física del último bien o del último lote o pieza.

Para ejercer el derecho de desistimiento, complete de forma electrónica y envíe una declaración clara en nuestro sitio web, desde "Mis compras" en "Mi cuenta". Le enviaremos sin demora un acuse de recibo de dicho desistimiento a través de un soporte duradero (por ejemplo, por correo electrónico).

Para cumplir con el plazo de desistimiento, basta con que envíe su comunicación relativa al ejercicio del derecho de desistimiento antes de que venza el periodo de desistimiento.

Efectos del desistimiento

Si rescinde este contrato, le reembolsaremos todos los pagos que hayamos recibido de usted, incluidos los gastos de envío (excepto los gastos adicionales que surjan si elige un tipo de envío que no sea el tipo de envío estándar más económico que ofrecemos).

Podemos hacer una deducción del reembolso por la pérdida de valor de cualquier bien suministrado, si la pérdida es el resultado de una manipulación innecesaria por su parte.

Efectuaremos el reembolso sin demoras indebidas y, a más tardar, 14 días después de que se nos informe de su decisión de rescindir este contrato.

Efectuaremos el reembolso utilizando el mismo medio de pago que utilizó para la transacción inicial, a menos que haya acordado expresamente lo contrario; en cualquier caso, no incurrirá en ningún cargo como resultado de dicho reembolso.

Podremos retener el reembolso hasta que hayamos recibido los bienes o hasta que nos haya presentado una prueba de que los ha devuelto, lo que ocurra primero.

Deberá devolver los bienes o entregarlos a PBShop.store UK, Fairford, United Kingdom, +44 1285 712917, sin demoras indebidas y, en cualquier caso, en un plazo máximo de 14 días a partir del día en que nos comunique su desistimiento del presente contrato. El plazo se cumple si devuelve la mercancía antes de que venza el periodo de 14 días. Tendrá que asumir los gastos directos de devolución de los bienes. Usted solo es responsable de la disminución del valor de los bienes como resultado de una manipulación distinta a la necesaria para establecer la naturaleza, las características y el funcionamiento de los bienes.

Excepciones al derecho de desistimiento

El derecho de desistimiento no se aplica a lo siguiente:

La entrega de periódicos, diarios o revistas, con la excepción de los contratos de suscripción; y
El suministro de contenido digital que no se proporcione en un soporte tangible (por ejemplo, en un CD o DVD) si, al hacer el pedido, aceptó que podíamos empezar a entregarlo y que no podría desistir una vez iniciada la entrega.

Condiciones de envío

Orders are shipped from our UK warehouse. Delivery thereafter is between 4 and 14 business days. Please contact us if you have any queries about our services or products.

First Time Budgeters

Descripción del artículo del vendedor

Detalles bibliográficos

Sinopsis