{"product_id":"2940149046737","title":"Best Household Budget Planning - Are you barely making a dent in your credit card debt balance, no matter how hard you try?","description":"INTRODUCTION \u003cbr\u003e\u003cbr\u003e\"The average family exists only on paper and its average budget is a fiction, invented by \u003cbr\u003estatisticians for the convenience of statisticians.\"     Sylvia Porter \u003cbr\u003e\u003cbr\u003eUnlike 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. \u003cbr\u003e\u003cbr\u003eHowever, 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. \u003cbr\u003e\u003cbr\u003eOnce you start probing family budgets, expending time and energy researching the subject indepth, it becomes quite clear, that most families are caught in a vicious, almost never-ending cycle of “What comes in must go out.”\u003cbr\u003e\u003cbr\u003eMost 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. \u003cbr\u003e\u003cbr\u003eOthers might voice that they feel as if they are merely throwing money away, in a never-ending 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? \u003cbr\u003e\u003cbr\u003ePut 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!) \u003cbr\u003e\u003cbr\u003eFamilies 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. \u003cbr\u003e\u003cbr\u003eTABLE OF CONTENTS\u003cbr\u003ePAGE\u003cbr\u003eFamily Budgets: A Brief Introduction 4 \u003cbr\u003eWhy an e-book or how-to guide on setting up a family budget? \u003cbr\u003eWhy would or do you need a family budget? \u003cbr\u003eThe business case for and rationale behind family budgeting Benefits and advantages of a family budget\u003cbr\u003e\u003cbr\u003eFamily Budgets Defined \u003cbr\u003eWhat is a family budget? \u003cbr\u003eWhat constitutes a good family budget? \u003cbr\u003eWhat should it contain and look like?\u003cbr\u003e\u003cbr\u003eThe Family Budget Process \u003cbr\u003eHow to set up a family budget? \u003cbr\u003eSome practical suggestions and a step-by-step summary of a family budget process \u003cbr\u003eHints, tips, tricks and tools for setting up a family budget \u003cbr\u003eHow should a family budget be used?\u003cbr\u003e\u003cbr\u003eFinal Thoughts On Setting Up A Family Budget\u003cbr\u003e      \u003cbr\u003e\"Modern man drives a mortgaged car over a bond-financed highway on credit-card gas.\" \u003cbr\u003e\u003cbr\u003e","brand":"Lian","offers":[{"title":"Default Title","offer_id":47084588433648,"sku":"2940149046737","price":1.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0737\/7593\/9824\/files\/2940149046737_p0.jpg?v=1763711237","url":"https:\/\/shop-qa.barnesandnoble.com\/products\/2940149046737","provider":"Barnes \u0026 Noble (DEV)","version":"1.0","type":"link"}