Judy Monroe Peterson 
First Budget Smarts [PDF ebook] 

Through this engaging book, students learn how to make a good budget, one that includes income, expenses, and savings. Knowing how to earn, spend, and save money are important money management skills. Using good money management sills can help a person become financially independent. Readers also learn that making and following a budget can help them reach their short-term and long-term goals. This book explains how to set up a weekly expense record, make a monthly budget, use budgeting tools, set financial goals, evaluate and adjust budgets, and develop wise savings and spending strategies.