Seriously, I've been sounding like an informercial to all my friends since I read this book. I have a whole new attitude about money--I'm not a victim anymore. Unlike most books about personal finance, this is a book for those of us who don't make much money to begin with. In a matter of a couple of months I have over a month's pay in the bank--this has never happened before. Now I know I don't have to rely on the EVIL credit card. I figure budgets are like diets--what works for some people may not work for others, but this plan WORKS FOR ME. Listen, I don't know the author, I don't work for the author...but I love her. Read this book!