The Budget Kit is designed to provide accurate information with regard to the subjectmatter covered. It is published with the understanding that the publisher or author is notrendering legal, accounting, ﬁnancial or other professional services. If legal advice or otherprofessional advice, including ﬁnancial, is required, the services of a certiﬁed professionalshould be sought. As each individual situation is unique, questions relevant to personalﬁnances and speciﬁc to the individual should be addressed to an appropriate professional.Copyright 2004 Family Financial Network All rights reserved. No part of this publication may be reproduced, stored, or transmittedin any form or by any means (electronic, mechanical, photocopying, recording, etc) with-out the prior written permission of Family Financial Network.Printed in the United States of America.ISBN 0-9748867-1-8Family Financial Network products are available at special discounts for employers, educa-tional organizations and other groups. Please call (310) 590-4704 and ask for the GroupSales department or e-mail us at firstname.lastname@example.org.