What does the rich man have that the working man doesn't?


That's why this is the home budget the working man needs. It puts money into an order. It does not overflow with hidden computer effects or fancy math. Math itself is the nature of what is economized here--just one list of income items, and one list of expense items, per column, all on a hard copy sheet. One sheet holds two time periods, side by side. Another sheet is just for constituting budget items composed of lots of items themselves. Finally, you get another two pages like these, but with blanks for you to customize with items not specified, one sheet for main items and one sheet for sub-items. Transfer the custom main item totals to the main sheet and your budget is ready to balance.

The budget is as readable, and stimulating, as art, and in essence you are buying a work of art as well as a budget. So if you are skilled with a document application, and skilled in art, and skilled with economics, you will be able to create a budget just as good as this one. Otherwise, The Working Man's Home Budget is ready to serve.

Some may use it extensively. Some may just look at it and come to a better place, where money is concerned. Either way, it's going to have a big impact on the working man or woman who needs economy. If you're reading this you probably will be looking for a computer application for yourself. But think of those of your friends who need something they can touch and feel and not go away with a click. This budget is for them.

Try it. It could be the most important thing you'll do for your computer-challenged friends, whom you can help out considerably by getting this budget to them. But please, observe the copyright and buy as many downloads as you intend to give to friends. It's a matter of courtesy, not to mention law.

Don't forget to leave a comment to the sticky below, after you have seen The Working Man's Home Budget. Others will want to hear your opinion of it.

Monday, July 19, 2010

Comparing other budgets to The Working Man's Home Budget.

After looking over other printable budgets available online, I can see a definite difference between these other budgets and The Working Man's Home Budget. Mine, simply put, is a masterwork of order and good sense with money, while the others are by comparison only so much wandering in the dark, and casting about wildly to make contact with a dark world.

Sunday, July 11, 2010

The budget's organization.

The budget page of The Working Man's Home Budget covers two time periods identically, side by side. Transfer the final balance from the bottom of the first time period to the beginning balance at the top of the second time period.

The totals for income and expenses are clearly set off for easy figuring of the new balance for a time period.

Everything is located where you would expect it.

Friday, July 9, 2010

The budget works as a hard copy.

The budget file is not an interactive tool. It is intended to be printed and filled out in pencil by the user. This is the way most people do all their important planning, and it makes sense to have a hard copy like this to work over on an ongoing basis as you get your money matters under better and better control over time. Computers are fine when everything is down to a system, but for the hard issues that you have to work over and compromise, estimate, and guess about, you just have to do it with a pencil and paper. So it makes sense to have a good starting point for all the figuring, one that gives you a combination of neatness and orderliness, along with good forethought about how to use the space economically, by sensible decisions of what to include and what not to include, yet providing a little unused space for those things the user may have a special need for that no one else would have thought of.

Thus organized, this budget, The Working Man's Home Budget, is going to be the focal point of your important records, so keep it with them. You may find the fall-out from the beauty of the budget spreads throughout your household in general, and after all, isn't that why you invested in it?

innaugural post

This is the first post on my blog devoted to The Working Man's Home Budget which I wrote for everyone who finds times difficult and figures a good budget is the place to start firming things up a bit and get control of his finances with a well-thought-out budget, neat, simple and listing all the things that must be accommodated because they just can't be done without.

The file for the budget is located on the documents site, scribd.com, and you can link to it on the sidebar at the right. You might have heard about the budget from someone who already has it and suggested you try it out. Practical reality being what it is, you won't get a chance to see the budget until you actually buy it, so referrals are the name of the game, for this budget.

Response to the hard copy has been encouraging, so I have made the file available online this way, to reach a broader audience, and to make the sales operation simple.

Happy budgeting!!