The average family exists only on paper and its average budget is a fiction, invented by statisticians for the convenience of statisticians.

Unlike the quote provided above, seemingly reflective of general opinion on family budgets today, we will attempt to take a much more positive approach to budgeting, as a family oriented, user-friendly, financial management and planning tool and life-enabler. However, when reflecting on family budgeting and inquiring as to why not more families are

actually using it, it becomes self-evident that similar skepticism runs rampant and deep in reality

and society, even globally so. Once you start probing family budgets, expending time and energy researching the subject

in-depth, it becomes quite clear, that most families are caught in a vicious, almost never-ending

cycle of “What comes in must go out.” Most families might feel that budgeting is a futile effort, unnecessarily burdening them with

thoughts and ways, to go broke methodically and slowly, without the creature comforts and

indulgences of our human modern-day society. Others might voice that they feel as if they are merely throwing money away, in a 

never-ending

 

TABLE OF CONTENTS

Family Budgets: A Brief Introduction 3

 Why an e-book or how-to guide on setting up a family budget? 

 Why would or do you need a family budget?

  The business case for and rationale behind family budgeting

 Benefits and advantages of a family budget

Family Budgets Defined 12

 What is a family budget?

 What constitutes a good family budget?

  What should it contain and look like?

The Family Budget Process 19

 How to set up a family budget? 

 Some practical suggestions and a step-by-step summary of a family budget process 

 Hints, tips, tricks and tools for setting up a family budget 

 How should a family budget be used?

Final Thoughts On Setting Up A Family Budget 53 "Modern man drives a mortgaged car over a bond-financed highway on credit-card gas." Earl Wilson

and dizzying spiral of spend, spend, spend. People are getting deeper and deeper into debt, no matter how hard they try to get out of it. Questions are then raised : How do we stop these courses of action? How do we change the thinking around family fiscal discipline?

Put simply, in “How to set up a Family Budget”, we focus in on how to empower families to set up better, more realistic budgets, stick to them and celebrate their successes (and learn from their failures!)

Families eventually do have a monthly surplus, see their savings start to grow, consolidate their debt, set aside discretionary funds and personal allowances, build their wealth and become more aware of their pro-active involvement and responsibility regarding their lives and finances. This is when excitement builds and fundamental thought patters as well as spending attitudes are

changed. Budgeting is seen as an accurate measurement of success when significant behavioral transformation is taking place on the landscape of the family budget, spending habits and financial patterns we observe over

 And much, much more ...

 

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