Table Of Contents
Section 1: UNDERSTANDING THE NEED, RATIONALE AND NECESSITY OF A FAMILY BUDGET – DEALING WITH SOME OF THE TOUGH QUESTIONS Pages 4-29
What are the basics of a good budget
Why do families need a budget
How can a family budget benefit and enable making dollars earned go further?
Practical Suggestions to get started with a family budget?
Needs Assessment, Financial Goals, Obligations and Related Matters, How will having a family budget change your life?
Section 2: DEFINITIONS, CONCEPTS, CONVENTIONS OF FAMILY BUDGETING Pages 29-41
The nuts-and-bolts, contents and requirements of a family budget
Realistic, Reasonable and Really Practical
Bare Minimums, Optimal Budgeting Techniques – Making the most of all resources and income
Section 3: GOALS AND RESULTS: BUDGETING PROCESSES AND OUTCOMES Pages 41-61
How to, To Do’s of a Family Budget
Budgeting Tactics and techniques
A FINAL WORD… 62
FAMILY BUDGETING GLOSSARY 63
RESOURCES, ONLINE LINKS AND REFERENCES 66
Ebook Sample Content Preview
Many believe that budgeting, let alone family budgeting, is a myth. It does not work, does not exist, helps no-one and is just frustration that most people would just simply deny having the time of day for.
Then you have the realities of real life and inevitabilities, emergencies that gobble up cash, rack up debt and that indulgent little side-line, impulsive shopping, gratification-seeking shopping habit or indulgence that we allow ourselves – for we have earned it and you cannot take it with you after-all type rationalizations that trip our efforts up. There are however cases wherein it can be a true lifesaver, life-line and guideline to direct your financial life and well-being against.
Budgeting does not have to be a drag, or follow the reasoning provided above. It can be a life-changing, control-type, reclaiming of your happiness, solvency, good financial standing and future. Security can come in different shapes, sizes and formats, as do families and no single recipe will be sufficient or applicable for all types of situations. The solutions and answers for your unique circumstances, challenges, obstacles and opportunity will vary. There are different approaches to budgeting. We choose to make and put the family interest above everything else in this. Making room in your financial planning for family priorities, family-oriented, planning, involvement and enjoyment can be an empowering thing in your life together and for you as a parent or child in the household.
Budgeting can be made family and user-friendly, and control, financial management more of a planning, freedom type utility than a chore or hardship, robbing you of the few little pleasures you choose to splurge on from time to time. Yes, it will help you face the realities of your situation (however dire or in great shape it may seem to be, or really are), also set aside time and resources for enjoying life, happiness, memories and treasures as a family. So, just for a moment, suspend judgment quiet the critics and doubting Thomases and make up your own mind for a change, taking control of your financial situation, well-being and means.
Section 1: UNDERSTANDING THE NEED, RATIONALE AND NECESSITY OF A FAMILY BUDGET – DEALING WITH SOME OF THE TOUGH QUESTIONS
Most families are indeed quite skeptical when they first trample down this road of taking control of financials and resources. I personally are of the opinion that most of us do so, for we know things will change and we do not particularly warm and welcome it necessarily with open arms into our lives. Change is inevitable and you cannot change or adjust what you do not realize, know or acknowledge …Other Details
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