From Library Journal The author of this book， written for the beginning householder， is not a household adviser; her qualifications are based on the everyday experiences of running a home and raising children on a limited budget. Her advice， which is practical and sound， centers around a philosophy of learning to be a savvy consumer and developing a family budget. Topics covered include managing groceries， clothing， energy， healthcare， leisure， and car expenses. Each idea is marked with one， two， or three pennies depending on whether the idea is a real saver (three pennies) or small saver (one penny). The section on how to pick and assess a bank is noteworthy. This is not an essential purchase， but it is an inexpensive book with helpful ideas presented in a easy-to-read format. Recommended for public libraries.- Judith M. Nixon， Purdue Univ. Lib.， West Lafayette， Ind.Copyright 1994 Reed Business Information， Inc.