A practical 9‑chapter eBook that shows first‑year college students exactly how to set up a zero‑based monthly budget and stop overdrafts fast. You’ll build a plug‑and‑play Google Sheets budget with Safe‑to‑Spend, alerts, and weekly check‑ins, then follow a simple routine to keep it accurate in minutes. Set up your system in under 60 minutes and run your first fee‑free month with confidence.