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Budgeting 101: From Getting Out of Debt and Tracking Expenses to Setting Financial Goals and Building Your Savings, Your Essential Guide to Budgeting (Adams 101 Series)

Penned By Michele Cagan
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Budgeting 101: From Getting Out of Debt and Tracking Expenses to Setting Financial Goals and Building Your Savings, Your Essential Guide to Budgeting (Adams 101 Series)

Penned By Michele Cagan
4.85 38,526 Ratings
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Editor's Note:
Don’t break the bank—learn to create and stick to a budget with this comprehensive, easy-to-understand guide to saving money sensibly in this edition of the popular 101 series. Sometimes, it can seem like saving money is impossible. With everyday expenses, from groceries and gas, to the electric bill and lunch money, as well as those unexpected expenses, like car repairs and medical bills, getting—and keeping—control of your finances can feel overwhelming. With Budgeting 101, you can start saving now. This clear and simple guide provides tons of practical advice for keeping track of your finances. With useful tips on setting financial goals, reducing debt, finding ways to save money, and creating and following a budget plan, you’ll have your dollars and cents under control in no time. Why spend more of your hard-earned money on a financial advisor? Filled with expert advice on a wide range of the most common financial concerns and step-by-step instructions to managing your money both now and in the future, Budgeting 101 has you covered.

Indulge in the ultimate literary experience. We've refined the way you discover and access Budgeting 101: From Getting Out of Debt and Tracking Expenses to Setting Financial Goals and Building Your Savings, Your Essential Guide to Budgeting (Adams 101 Series) by Michele Cagan. Crafted for the discerning reader.

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Released November, 2018
Identifier (ISBN) 39507396
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Michele Cagan
The Mind Behind the Work
Michele Cagan

Michele Cagan is a writer and avid reader based in the Pacific Northwest. Before pursuing writing full-time, they spent over a decade working in education. When not working on their next book, Michele Cagan can usually be found hiking with their dog or trying out new coffee shops in their neighborhood.

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Donald Baker
Donald Baker September 10, 2025
"Exceeded all my expectations. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem."
Sharon Jones
Sharon Jones October 21, 2025
"A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem."
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Daniel  Davis
Daniel Davis December 14, 2025
"A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre."
Carol Lopez
Carol Lopez June 10, 2024
"Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem."
Gary Perez
Gary Perez December 02, 2024
"Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author."
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Paul Wilson March 28, 2025
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"Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading."
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Rebecca Perez
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Andrew Moore
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Andrew Moore
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"Took a moment to build, but the payoff was spectacular. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend."
Jacob Evans
Jacob Evans August 19, 2024
"A highly sophisticated read. The protagonist was compelling, though some subplots felt slightly overshadowed. A solid 4 stars from me."
Kenneth Robinson
Kenneth Robinson June 14, 2024
"Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece."
Ryan Phillips
Ryan Phillips January 30, 2025
"Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem."
Jennifer  Parker
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"Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading."
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"I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem."
Patricia Williams
Patricia Williams October 28, 2024
"A highly sophisticated read. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall."
Jessica Allen
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Ryan Phillips
Ryan Phillips January 16, 2024
"A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel."
Patricia Mitchell
Patricia Mitchell January 17, 2024
"A decent, if standard, experience. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Perfectly average."
Anthony Brown
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"A very strong entry. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall."
Sharon Perez
Sharon Perez August 17, 2024
"I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece."
Eric Turner
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"Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre."
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"I thoroughly enjoyed the elegance of it. The protagonist was compelling, though some subplots felt slightly overshadowed. I would highly recommend this to discerning readers."
Betty Lee
Betty Lee July 13, 2025
"Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. Worth every moment spent reading."
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"Masterpiece from start to finish. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars."
Kimberly Ramirez
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"A highly sophisticated read. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend."
Charles Gomez
Charles Gomez November 08, 2024
"Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading."
Susan Jackson
Susan Jackson April 05, 2024
"Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre."
Emily Campbell
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"Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author."
Gary Moore
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"Excellent, though slightly flawed. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A very distinguished novel."
Laura Phillips
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"Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. Worth every moment spent reading."
Christopher Wilson
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"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre."
Paul White
Paul White January 21, 2024
"Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars."
Matthew Young
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"Masterpiece from start to finish. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece."
Gary Perez
Gary Perez November 26, 2024
"Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre."
Gary Baker
Gary Baker April 30, 2025
"I was completely blown away. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
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"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre."
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"Excellent, though slightly flawed. The protagonist was compelling, though some subplots felt slightly overshadowed. A solid 4 stars from me."
Linda Jackson
Linda Jackson March 07, 2025
"A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading."
Ashley Torres
Ashley Torres August 16, 2025
"It was adequate. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. A fair 3 stars."
Emily Adams
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"Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author."
Mark Collins
Mark Collins May 07, 2024
"A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading."
Steven Thomas
Steven Thomas November 20, 2024
"Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece."
Linda Jackson
Linda Jackson April 06, 2024
"It was adequate. The prose was competent, yet the characters lacked the depth I usually seek. Perfectly average."
Michelle Jackson
Michelle Jackson May 30, 2025
"Exceeded all my expectations. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre."
Donna Moore
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"It was adequate. It verged on repetitive in the second act. A more concise edit would have served it well. Unlikely to reread, but a reasonable expenditure of time."
Nancy Perez
Nancy Perez December 25, 2025
"Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem."
Andrew Clark
Andrew Clark June 18, 2025
"Honestly one of the most premium reading experiences lately. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem."
Nicholas Lee
Nicholas Lee March 03, 2024
"Masterpiece from start to finish. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre."
Christopher Gonzalez
Christopher Gonzalez December 06, 2025
"Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre."
Linda Turner
Linda Turner September 03, 2025
"A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author."
Nancy Rivera
Nancy Rivera June 26, 2024
"Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. A wonderful companion for a quiet weekend."
Thomas Gomez
Thomas Gomez December 27, 2025
"Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece."
Edward  Davis
Edward Davis September 18, 2024
"I thoroughly enjoyed the elegance of it. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A solid 4 stars from me."
Christopher Gonzalez
Christopher Gonzalez July 19, 2024
"A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. A solid 4 stars from me."
James Phillips
James Phillips May 05, 2025
"Excellent, though slightly flawed. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A solid 4 stars from me."
Richard Phillips
Richard Phillips May 18, 2025
"Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars."
Eric Rivera
Eric Rivera June 21, 2025
"Took a moment to build, but the payoff was spectacular. A brilliant concept executed with flair. Just a few pacing choices I would change. A solid 4 stars from me."
Dorothy Lewis
Dorothy Lewis December 28, 2025
"Excellent, though slightly flawed. It held my rapt attention, even when certain twists were telegraphed. A very distinguished novel."
Carol Wright
Carol Wright November 06, 2025
"Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An absolute must-read for connoisseurs of the genre."
Paul White
Paul White January 17, 2024
"Absolutely brilliant. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem."
Jennifer Phillips
Jennifer Phillips March 21, 2024
"Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece."
Michael Clark
Michael Clark November 14, 2024
"Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
Nicholas Baker
Nicholas Baker May 21, 2024
"Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading."
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