This quick-reference how-to guide was developed to assist you with setting up your own personal, household and family budget, to help you with all of the above and more! A couple of general money-savings will also be provided in these pages. There are also thoughts and spending patterns that need to change, in order to become fiscally more disciplined and many techniques, attitudes, habitual behaviors that we need to un-earth, evaluate and possibly change, before you even start budgeting. For most households, a budget is no more than a spending plan. Any spending plan can help you see where your money is going. It fits your spending to your income. It reflects how we get the things we want and need most, while being ready and prepared for bills we must pay every month. Part of the goal of this guide is to demystify family budgeting and highlight an easy systematic process to setting up a quality family budget.
