How to Set Up a Family Budget Part 4

- Surely, the most interesting effect of the family budget on most people, is revealing our personal spending habits, preferences, weaknesses or "b.u.t.tons to push" my kids call them. Family budgeting helps us to get to know what they are and improve on them.

Where and why, on what and how much are all factors that impact while our money keeps vanis.h.i.+ng. We are most often the biggest culprits here. Shopping excursions should be minimized; they are just a good excuse for buying unnecessary items.

Overspending while with a group of friends or peers are all too common these days. Grocery bills hide a lot of "sins" or impulse buying (chocolates, chips, magazines, ice cream etc.).

Also knowing when during the year you tend to spend more money, is also important bulk buying might be the answer. Think juice and snacks when the kids are home for summer for example. This also helps people realize that funds should be available almost year-round and that life is unpredictable.

- Family budgeting is one of those activities that none of us really truly value, until we see or feel it make a difference. If you stick with it long enough, disciplined and committed, you will experience the dynamic impact and life-altering influence and contribution of this tool and process. Happy number crunching! Have fun creating your own family budget.

Therefore, for now, we will stop our discussion here. Throughout these pages, attempts were made to show the need, benefits, nature, elements, advantages, processes and techniques for family budgeting that can get you started right away, offering practical advice and poignant suggestions that apply to your unique situation, whatever that may be.

We trust it has been time well spent and happy trails on your journey back to fiscal control, independence and empowered decision-making. Pa.s.s IT ON.

Some final thoughts, money saving perspectives and inspirations: "If saving money is wrong, I don't want to be right!"

William Shatner 52.(Canadian Actor, Writer and Producer most famous for starring Captain Kirk in the television series Star Trek. b.1931) "A simple fact that is hard to learn is that the time to save money is when you have some."

Joe Moore "Save a little money each month and at the end of the year you'll be surprised at how little you have" you have"

Ernest Haskins