If you're inwardly groaning at the thought of reading a book about personal budgeting, and if you have an affinity for money, stop now and pay attention. M. M. Rembert's Zero-Based Household Budgeting Guide just may be the niftiest book you read all year-because it's all about getting you more money. If on the off chance that you have more money than you need, then you're excused. Everyone else should get their hands on the book and start reading. Ms. Rembert has done the hard work researching and explaining dozens and dozens of facts, principles and tips on how to save and get more money. She tackles concepts that are complicated, and makes you understand them. She takes you by the hand and walks you down the pathway of a monetary concept until you know that you can execute it by yourself. Best of all, she has packed so many money-saving and money-earning tips in her book that you'll find yourself with a new sense of empowerment about making your money work for you. This is a golden opportunity to learn, grow and enjoy yourself.