Do your finances seem out of control? Are you discouraged when there is another financial emergency? Does Christmas spending increase your credit card debt? Are you frustrated and cannot get ahead of the bills? If you answered yes to any of these questions, then Forward-Budgeting is a solution to your financial nightmares. If you are like most people, you hate budgeting. You also do not like accounting, mathematics, and financial statements. You do not look forward to financial discussions with the family, especially attempting to find money for a financial emergency. The goals for forward-budgeting are to provide financial confidence, control, authority, and peace of mind. These goals are accomplished by making the budgeting process workable, easy to understand, time saving, and convenient. Douglas Knisely is a Certified Public Accountant and a retired Certified Financial Planner who will guide you through the forward-budgeting process. He makes the budgeting process electronic using automatic transfers, paperless, without comparative financial statements, and forward-looking. Forward-Budgeting will show you step-by-step how to organize your bills and pay them on time.