The Times specialist on personal finance presents a collection of columns which can be recommended as a basic reference book for young people generally, for those setting out on their own, singly or in tandem, specifically. Money management rather than budgeting is the term used, but the aim is a sound financial program. This involves maximum mileage for the dollar as well as broader goals: major money demands (food--26%; housing-- another 25%; a car, etc.). Then there is advice on installment buying, loans, life insurance, taxation from income tax to inheritance-- all predictable topics but comprehensibly and sensibly handled for the average income.