Why are millions of people teetering on the brink of financial ruin, living paycheck to paycheck with little or no emergency funds?Most people’s financial problems can be traced to their spending plans—and solved with a shift in their approach to budgeting.To win in war, have a battle plan.To win in business, have a business plan.To win in finances, have a financial plan with a goal-oriented spending plan.Goals First Bills Last Budgeting Guide is a simple illustrative book dispensing financial literacy concepts aimed at enabling people to manage their personal finances wisely.Get hold of this informative book and learn, among other things:1) The advantages of a Goals First Bills Last spending plan2) The 5 considerations for creating a winning budget3) The 10 budgeting blunders to avoid4) The 4 money skills for financial prosperity5) How a budget determines a person’s wealth