ARE YOU READY FOR WHATEVER LIFE, FUTURE,
FAMILY, KIDS, EDUCATION, RETIREMENT, EMERGENCY, MAINTENANCE
OR CRISIS CAN THROW AT YOU AND YOUR FAMILY BUDGET? DO
YOU EVEN HAVE A FAMILY BUDGET – DARE WE ASK?
**
Note: (Actually, you might be surprised, but most families
shockingly DO NOT! SO, WE ARE NOT ALONE IN THIS QUEST!!)
BUDGETING
MYTHS
Many believe that budgeting, let alone family budgeting
(yes, that is households):
Well,
hopefully by the end of this musing, your mind will have
been moved away from these mainly negative statements and
outlooks, with some positive thoughts, attitudes, about
money and budgeting in your new FAMILY BUDGETING ARSENAL!
So,
how and why can this ebook and ecourse possibly help you
with your family finances and budgeting processes, success
and reward:
There
are always 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.
Get
a FREE Mini-eCourse!
MASTER HOW TO PERMANENTLY GET RID OF DEBT, HAVING
NO FINANCIAL PLAN OR RANDOM FISCAL HOUSEHOLD AND
FAMILY BUDGETS, EFFECTIVELY, PRO-ACTIVELY…FOR
GOOD!
FINALLY!
Your dollars, hard-earned can go further! Get insights
and secrets, instruction, information, practical
illiustrative advice and recommendations, that will
help you to make sense of what to do with indivdiual
and family dollars, cut costs, eliminate waste,
save more, spend less, build personal wealth.
Simply enter your name and email address
below to receive this FREE, five-part mini-e-course,
which is taken straight from this newly released
guide.
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a sneak-peek at the quality content that await you
on every page and cover to cover!
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Yes,
FAMILY BUDGETING WILL MEAN LOTS OF DIFFERENT THINGS TO DIFFERENT
PEOPLE AND FAMILIES! HERE, YOU WILL
LEARN WHAT AND HOW TO DO IT, USE IT, OPTIMIZE IT, MAKE IT
COUNT, WHEN IT MATTERS MOST AND BEYOND YOUR WILDEST
DREAMS AND IMAGINATION!!
You
can take your pocketbook, wallet and balance sheets for
your family and household, to new heights!
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.
Most
families are indeed quite skeptical when they first trample
down this road of taking control of financials and resources.
(TO TELL THE TRUTH, SO WAS I!)
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 is there in the
first place.
We are skeptic that having this sense of awareness, control
and financial prowess, will hurt us not help us, or be totally
useless all-round.
THIS
BOOK IS WRITTEN FOR EVERYONE WHO WOULD LIKE TO LEARN MORE
ABOUT FAMILY BUDGETING AND PUT WHAT THEY MASTER INTO ACTION
FOR RESULTS!
For
most families, the realities, cost of life and occasional
indulgence might just all be too much to handle, or face.
For
some, facing bankruptcy and/or debt/credit repair type activities
and process, budgeting is the last thing they want to do
to know how bad things really are.
But
there is more to ‘family’ budgeting than a mere
reality check of your finances, wellbeing and personal wealth!
What
is at stake here is actual empowering control and freedom.
Sounds
like an oxymoron, but in actuality, taking pro-active, action
will help you long term gain more confidence, solid footing
financially speaking than you would ever have imagined possible.
Budgeting
does not have to be a futile pursuit or effort-heavy burden.
If you take it one step at a time, you will be pleasantly
surprised how easy it is to come up with and stick to…
(if it is realistic of course)
LEARN
HOW TO GET YOUR BUDGET ANSWERS TODAY AND PUT INT INTO PRACTICE
RIGHT AWAY, REAPING THE FRUITS AND REWARDS OF FRIGALITY
AND DISCIPLINED MONEY MANAGEMENT IN NO TIME!
If
you do however need more convincing evidence that this is
the e-guide for you:
FAMILY
BUDGETING WILL TEACH AND REVEAL SECRETS, UNEARTH TRUTHS
ABOUT FINANCES, BUDGETING, PLANNING AND IMPROVING YOUR QUALITY
OF LIFE!
You
do not even have to sacrifice necessarily, go without or
quota/ration yourself too much. YOU CAN HAVE THE
BEST OF ALL WORLDS, YOUR CAKE AND EAT IT!
But,
for one and for all you will actually KNOW how much money
you have (or do not have), spend wiser/wisely, maybe even
save a buck or two, stretch your dollar that much further
and take control of your finances and spending. YOU
CAN KNOW, DECIDE, CHOOSE AND DO, WITH CERTAINTY AND CONVIDENCE!
A debt-ridden
life is also not a free life, credit-enabled spending, gives
rise to an unrealistic sense of entitlement and even worse
a false sense of well-being and affluence, that is not sustainable
long-term and can only get you in deeper and far worse.
YOU CAN BE FREE OF DEBT!
FAMILY
BUDGETING WILL EDUCATE, ENABLE, EMPOWER YOU TO NEW HEIGHTS!
SO, LET US LEARN MORE TOGETHER! YOU TOO CAN GET YOUR COPY
TODAY FOR A SPECIAL LIMITED TIME DISCOUNTED OFFER, SEE DETAILS
TO ORDER BELOW.
In
this guide, there will be some milestones, guideposts for
families and individuals who would like to take control
of their personal and family finances, to get ahead, back
in control, on track, to financial freedom and well-being,
empowered choices and living comfortably, within (not beyond),
means and making the most of every precious dollar that
makes its way into the home and family wallet(s).
SO, REMEMBER Setting up a budget is merely the first step
for many. Some have never even considered that this tool
might actually help them.
Realistically,
success is within easy reach with a couple of budget fundamentals
that will be introduced as this musing unfolds.
As
you budget, you stick to your financial plan, you will soon
reap the benefit, as you will actually have savings, see
money grow and do things for you that you might never have
thought possible, with but a few adjustments and subtle
differences.
There
are many ways to get and see your money grow, invest, take
control, consolidate debt, set aside discretionary funds
and even allocate personal spending allowances, pocket-money
to be earned, financial reward within means and according
to reason, build wealth It is up to you to put these processes
and life-enablers in place.
But,
what is budgeting exactly and how can families do it, benefit
from and stick to it, make it count when it matters most.
THIS GUIDE WILL TAKE YOU ON A JOURNEY FROM START
TO FINISH! THIS IS YOUR CHANCE TO EMBRACE ALL THERE IS TO
KNOW ABOUT BUDGETING AND PLANNING FOR YOUR HOUSEHOLD AND
FAMILY. GET YOUR COPY TODAY! ORDER NOW.
THREE
MORE GREAT REASONS FOR
GETTING THIS BOOK NOW!
Paying bills, providing for your family, paying off debt,
mortgage, car(s), education, retirement planning, living
expenses, as well as extras, assets, personal wealth etc.
all compete for our resources and funds available (or not).
þ If there is not enough to make ends meet, we get
deeper into debt, stress and generally feel disempowered,
de-motivated and at a loss of what to do.
But, it does not have to be that way. You can take control
of both process and outcome when it comes to your financials
and household income, expenditure, goals and plans.
How
much of what you earn/make, do you actually put to good
use, not just spend aimlessly and let/allow to trickle through
your fingers. Are you are planner or a spender? As this
will also affect your budgeting processes, priorities, outcomes
and results.
In
these treasured pages, you will find numerous and prudent
tips, tactics and techniques to get a budget together, get
started, categorize, prioritize, get on paper, set financial
goals, take control, put to work, stick to and make work
for you your very own family budget, from start to finish,
in a couple of easy steps, that you will/can customize to
address your own needs, circumstances, priorities, means
and goals.
Without
further ado you will also learn and master the art of adjusting,
flexing your financial and cranial muscle to make dollars
go further, make ends meet, get and stay out of debt, save,
take control of spending and attain your financial freedom
and goals, as an individual, but also as a family.
It
is dynamic and on-going, getting something on paper, merely
the first couple of steps to take in the right direction
of getting, having and sticking to a financial plan, budget,
estimate, targets etc. it is not merely a document, or life-less
thing, but a pulsing, living dynamic that can add dimensions
to your life, enjoyment, success, freedom, financial standing,
security and well-being that you never imagined possible.
It will measure, change and direct what happens in and around
your family financials, its well-being and future.
Do
not merely let your budget focus on the negative, what you
do not or cannot have, spend, how dire the situation is,
but actually take the time to think and do positively with
your money, however limited or non-existent they
are at this very moment. Invest, stretch and make the most
of your every hard-earned dollar.
Now,
you too can set up your very own personal, household and
family budget(s) to empower and enable your life, living,
lifestyle, quality of life and future!
Tips,
suggestions, recommendations, guidelines, will be provided
throughout the text, that you can utilize and tap into,
customize to fit your own situation.
For
many the mere thought of doing this, putting it on paper,
can be threatening, overwhelming, unknown, difficult, but
it does not have to be. There is nothing to fear here, hesitate,
avoid or choose not to do, simply because you do not know
where to start, think it is or will be too hard, not work,
dismissing it before even trying (which we all know is just
a defense we put up, to avoid taking stock, realizing and
facing the music and reality of our situation), and actually
doing something about it.
Get
the most from a family budgeting sit-down, reality check
put together and stick to a quality family budget to
reach higher, go further and embrace your financial
freedom, building personal wealth, enjoying, refining
your skill at fiscal management, which will soon spill
over into any and every arena of your life.
Most
of us have no idea how good, bad or ugly our own finances
are. We are just concerned with having enough, not too little,
spend at will, whim or as we feel, have time for it, need
it, habitual or necessity type spending, shopping, trips
etc. Swipe the debit and credit cards without a second thought
or structured planning on what to do with our funds. Many
have no idea on any given dya and time, how much they have
in the bank, in their wallet, lying around, would even need
to get through the month.
Some
have become reliant on supplementing income with our high-interest
rate type credit cards, end up with not enough or barely
enough to live on, pay our bills at the end of the month,
living from pay-check to pay-check, slipping ever deeper
into debt with no real action plan of how to get out of
this dangerous cycle and spiral and staying out of it.
We
stick to our bad fiscal habits regardless and take no or
very little pro-active steps, deliberate actions to deal
effectively with our financial and budgeting challenges,
needs ad habits. IT IS TIME TO BREAK WITH THIS VICIOUS
CYCLE ONCE AND FOR ALL, FOR GOOD!!
Where
would you find all this family budgeting information and
get started? THIS GUIDE PROVIDES A GATEWAY TO ANSWERS AND
SOLUTIONS FOR FAMILY BUDGETING!
Here
are just some of the documents and sources you can use for
information
A
personal financial asset statement or balance sheet
A well
thought out, planned and realistic budget (daily, weekly
and monthly, for at least 3-6 months)
Annual
tax return (personal, business)
Overview
and assessment (done self or by professional financial practitioner,
bank etc.)
Personal
bank statements
Recent
current credit report
One
of the first questions you need to ask – is how healthy
fiscally or financially speaking am I, are our family finances,
budget, means? (both on general and specific, real factual,
actual terms, tangible, on paper, verified and written down,
consolidated and black and white.
This
is the time and call for and to no guesstimates or projections,
but ONLY real facts and figures. No one really enjoys doing
this part of the process, but it is mandatory for any of
the progressive steps to follow to make any sense or difference.
Consolidate,
subtract, add and determine where you are at, individually
and collectively. What are the needs,
goals, obligations, frustrations, unknowns, uncertainties
and challenges, obstacles and realities that you have to
contend and work with. These are your starting
blocks on the financial road of life – a marathon.
Remember this is not a sprint, you are in it for the long-haul.
Set yourself up to succeed, not for failure.
MONEY
NO LONGER HAS TO take over our control..
..our
freedom, choice, and soon our credit, good financial standing
with us left with debt management challenges, competing
priorities, conflict and rather avoid taking a hands-on
approach, thinking somehow by ignoring it, it will not bother
us too much, or feel desperately overwhelmed and powerless
to really do or change anything about it, get out of the
spiral or cycle of our own making… BUT IT CAN ALSO
BE VERY DIFFERENT! FAMILY BUDGETING HOLDS SOME OF THE KEYS
SND SECRETS TO MAKE IT BETTER, YOU SUCCEED AND GET RESULTS!
There
are many complex and intricately connected processes that
form part of this “family budgeting” dynamic
and undertaking.
This
can work for every family, but it is up to each individual
member and unit to come up with a customized solution as
there is no silver-bullet, one-size fits all type solutions
for budgeting. No magical formula, just general guidelines
to consider and apply in your context, challenge and circumstances.
This guide can help you do this and so much more!
Get and put to work myriads of ideas, hints, process steps,
practical savings suggestions and budgeting from all channels
and avenues, sources and others whom what been down this
path. Lessons learnt can help you avoid errors, costly mistakes,
caveats and you will be inevitably setting yourself up for
success, not failure and frustration.
Are
you from one of the following families and situations??
Affluent,
well-off family units
At-risk
family units
bankruptcy
families
blended
divorced
households
double-income
households
extended
families
Families
with/where shared parenting and financial responsibilities
cry king debt-ridden families
Mothers
working part-time from the home to make ends meet,
single-income
single-parent
social-supported
and/or subsidized families
stay-at-home
mothers
families
with/without homes, mortgages
Credit-card and debt-enabled families flying too high, living
way beyond their means (not yet in trouble, but on the short-track
getting there surely in time). Then there is hope and insights
in this ebook that can help you get way ahead.
Do yourself and your family
a favor by nipping out-of-control spending and unnecessary
habitual shopping patterns in the bud, before they spiral
out of control. Take control! Categories
in budges can vary, find the ones that can make a difference
for you. More than SIX categories! There are many reasons
people budget, unearth others and more, discover even your
own! Regain, reclaim and start enjoying their lives and
financial freedoms again.
Although people quickly buy into budgets, most are uncertain
on where to start, how to go about doing it, stick to it
or make it work to improve quality of life, living and lifestyle.
Unearth some key and practical strategies, to budget effectively
as a family.
Here are some questions that you might consider in and during
these processes:
Are
there creative ways other members of the family (as well
as you), can lower your household and living expenses ?
Are
there ways you can save money, cut costs, eliminate waste
and wasteful spending?
Are
you aware of your costs, fees, expenditures, spending, dues,
bills etc. Do you know where the money actually goes? Where
and how much is spent, how often, on what and why?
Are
you successful, responsible, proud of how you get and use
money in and for your family?
FIND MORE THAN 30 similar, more in-depth
questions scattered throughout the text, to help you gain
insights and shared wisdom into your own family budgeting.
Strategies and Secrets To Making The Family Budgeting
Process Go That Much Smoother
STRATEGY # 1: BASELINE AND BENCHMARK
STRATEGY # 2: GET AND STAY ON TRACK.
STRATEGY # 3 PUT YOUR FAMILY’s FINANCIAL
INTERESTS FIRST IN THE SHORT, MEDIUM AND LONG TERM.
STRATEGY # 4: TAP INTO FREE, ONLINE RESOURCES
TO HELP YOU (YOUR FAMILY) BUDGET COME INTO FRUITION. …
and many more (actually ELEVEN IN ALL IN SECTION 2 ALONE!!)
GET YOUR COPY TO LEARN MORE!
DISCOVER ONCE AND FOR ALL
- What makes a budget bad, good, better, or best?
A Family Budgeting Process brings everyone to the table
and contributing individually and collectively (working
on it together), coming up with it and sticking to it, does
not have to fall on one or only the parents’ shoulders.
Ensuring that it is practical make sure you know exactly
what you ear
and spend, control and saving, management, categorizing
and prioritizing all
form part of the process and results.
An
expenditure checklist for households, INPUTS, Categories
and sub-line-items SO, WHAT CAN THE FAMILY BUDGETING EBOOK
PROVIDE RIGHT AWAY:
IT CAN ENABLE YOU TO…
Make finances a top priority, to be knowledgeable about
what, how much and how many money, funds you have, get in
and spend, move out of your family.
Making financial plans, goals, reality, making tangible,
visible the individual and collective needs, dreams and
goals what a budget is all about. It will also unearth the
truth about the health, debt and available funds that the
family has at its disposal.
Where
can you save money and significant funds for making ends
meet, by cutting costs, sending less, saving more?
Get
a better handle on the accurate numbers and factors at play
in your family finances.
Put your priorities straight, paying debt, over spending
on something new or unnecessary. Ensure that whatever type
of financial plan you put in place, you are making it most
probably, likely and easy to stick to.
Trying to stick to a plan (not go over budget), can be challenging
for some, especially initially, if you are not used to having
tighter purse strings than normal. Paying your dues on time,
timely and in full is and should take priority as well.
…
and so MUCH MORE!
TRY
THIS ON FOR SIZE AS YOU SINK YOUR TEETH INTO THE TREASURED
PAGES OF THIS EBOOK:
Analyze and synergize INCOME SOURCES, DEDUCTIBLE EXPENSES,
NON-DEDUCTIBLE EXPENSES
Benefits
of setting up and sticking to a family budget
Examples
of life-realities, changes that might affect your budget
FIVE
MORE KEY STEPS FOR YOU AND YOUR FAMILY TO REMEMBER WHEN/WHILE
BUDGETING FOR THE PRACTICALLY MINDED, DISCERNING ELITE CONSUMER,
DEMANDING MORE!
Methods
to determine how healthy your finances and financial processes
in your home are
Nature
and impact of the POSITIVE and NEGATIVE side of your budget
Suggestions
from insiders and experts
TEN
Steps to take to successfully get your own, personal and
family budget up and running, off to a good start:
WHAT
IS YOUR Beginning Balance –
how much money do you have now, today, available, CASH on
hand, liquid assets?
WHAT
IS YOUR Predicted Ending Balance –
Month-end money, after paying all your bills, expenses etc.
WHAT
IS YOUR Actual Ending Balance –
what is left, saved, how dire/good is the situation
ONLY
NOW/THEN you can you start planning for tomorrow, the next
day, next week, next month, this year, next year…
get the picture? This will set you on the road to good fiscal
habits, recordkeeping, awareness, familiarity, attitude,
more appropriate decisions and actions, both as individuals
but also as a family. Budgeting learnt in this fashion becomes
second nature in no time. Mind over matter and small-fry,
a life essential skill for parents and kids to hone together.
How is your craft and skill in this area? What is your family
budgeting prowess in your family? Is it time for a change?
FAMILIY BUDGETING is a great way to come and work closer
together, assumer full responsibility for life, means, success
and getting ahead. Financial discipline and reward is a
unique opportunity to teach more than about finances, how
about true value of money, currency, interest etc. If our
kids do not learn this from us, what are we preparing them
for in their lives and finances??
Again,
family budgeting can have something to offer anyone and
everyone…
Some
of the most important process elements and content pieces
of family budgeting to read more about, study, learn and
practice, hone and refine are revealed. Let the family budget
be your general guideline or specific checklist –
the way you choose to implement and use it, entirely up
to you, what you are facing, your situation, challenges
and obstacles, opportunities and goals.
100%
Guarantee!
I
am so sure that you will love and benefit from
this offer, that I am including an unconditional
100% money-back guarantee. If you are not completely
satisfied with your purchase, simply notify me
within 60 days and I will refund your money, in
full, with absolutely no questions asked!
You've
got absolutely nothing to lose and a world filled
with fundamentals, tips, tricks and valuable information
at your fingertips.
Plus,
don't forget, if you order the e-book, you can
take advantage of the immediate download feature,
to begin reading and benefiting from the book's
expert advice and comprehensive information in
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You’ve
got absolutely nothing to lose – and a world filled
with fundamentals, tips, tricks and valuable information
at your fingertips.
Plus,
don’t forget, if you order the e-book, you can take
advantage of the immediate download feature, to begin reading
and benefiting from the book’s expert advice and comprehensive
information in just minutes!
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Sincerely,
Sincerely,
Author of “How to Create a Family Budget: Effective
and Practical Family Budgeting”
Stretching
Your Hard-Earned Dollar Further, When It Matters Most, According
to A Structured Spending Plan (Budget)
P.S. This special introductory offer won’t last long.
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