Publisher's Note Regardless of experience, abilities, or bank balance, anyone can begin sailing on a budget. Anne M. Johnson -- who lives aboard a 40-foot Morgan Pilot-house -- makes sailing a dream come affordably true. The book offers tips for the seaworthy boat owner as well as the land-lubbing beginner. Checklists and a wealth of advice help make every trip successful. -- get low-cost -- or even no-cost -- instruction -- join a crew and sail for experience -- or money -- find a bargain on a used, repossessed or even new boat -- break out the tools and build a sailboat -- save money on gear -- avoid the crowd and head for out-of-the-way harbors