Book excerpt: What’s Breaking Your Budget is a 2018 eLit Gold Medal Winner (Finance/Investment/Economics). This budget book is ideal for anyone struggling with a major life change (divorce, death, financial disaster). This little book dives deep into personal spending habits that are difficult to face. Things people may not want to admit are breaking them down and making a mess of their lives. This book will thoroughly help everyone explore all outgoing cash in all forms, many of which people don’t even consider as an expense until the money’s gone. Everyone will learn how to create a true budget from the work they will be guided through in the book. Once they complete the process, they will be able to breathe easier and begin to eliminate their debt once and for all. They will truly understand the phrase “living within your means.” The purchase of the book contains free downloads. My budget book would be a terrific handout for people who open a new checking or savings account. All schools across the nation should give this book to their high school seniors, or college students. ' What's Breaking Your Budget is also available as an online course.