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„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
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