At last a family budget how-to that covers people in varied life situations and does so with detail necessary to produce a workable plan. No computer Excel knowledge is needed since it is designed for non-professionals to make it accessible to everyone. The first section covers the how and why; the how-to comes later. Several real people's stories illustrate errors in decision-making and misconception on nearly everything from interest costs to renting furniture instead of owning it. Last, investments are considered — even to how to buy rental properties with no money down.