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This publication is designed to provide accurate and authoritative information in regard to the subject matter covered.It is sold with the understanding that the publisher is not engaged in rendering legal, accounting, or other professionalservice. If legal advice or other expert assistance is required, the services of a competent professional should besought.Vice President and Publisher: Cynthia A. ZigmundAcquisitions Editor: Mary B. GoodSenior Managing Editor: Jack KiburzInterior Design: Lucy JenkinsCover Design: DePinto StudiosTypesetting: Elizabeth PittsGraphic Design: Jennifer Streiff and David Anderson © 2004 by Steven B. SmithPublished by Dearborn Trade PublishingA Kaplan Professional CompanyAll rights reserved. The text of this publication, or any part thereof, may not be reproduced in any manner whatsoeverwithout written permission from the publisher.Printed in the United States of America04 05 06 10 9 8 7 6 5 4 3 2 1Library of Congress Cataloging-in-Publication DataSmith, Steven B., 1966-Money for life : budgeting success and financial fitness in just 12 weeks / Steven B. Smith.p. cm.ISBN 0-7931-8793-1 (6
9 pbk.)1. Finance, Personal. 2. Financial security. I. Title.HG179.S55134 2004332.024—dc222003026598Dearborn Trade books are available at special quantity discounts to use for sales promotions, employee premiums, oreducational purposes. Please call our Special Sales Department to order or for more information at 800-245-2665, e-mail firstname.lastname@example.org, or write to Dearborn Trade Publishing, 30 South Wacker Drive, Suite 2500, Chicago, IL60606-7481.