er-who want to reduce personal financial stress by better managing their personal finances. Based on 50 years of managing his household's finances, the CPA author, retired after 39 years, uses common language and avoids technical terms. The Basic Money Workbook provides practical examples to get stated immediately.

The Basic Money Workbook helps manage monthly spending by offering proven ways to track recurring and non-recurring monthly expenditures. Over time, these steps can reduce credit card debt.

Preparing a personal plan, or budget, is suggested as one way to decide if your spending is roughly in line with your priorities. If you are interested in where you stand financially, a simplified balance sheet example is suggested. Other benefits are described.

The Basic Money Workbook is not intended to provide investment advice. Instead, it provides and illustrates ways to be more comfortable with your monthly spending and income.

Technology advances are discussed as they may apply to the suggestions in the Basic Money Workbook.

For people already comfortable with their personal finances, this workbook may offer alternative ways to manage their personal finances. And it may help people be more aware of services their hired professional may be providing.