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, September 6, 2010

The advantage of having two time periods on one sheet.

A nice thing about The Working Man's Home Budget is its having two identical columns, each covering one time period. This allows the user to compare his budget from one time period to the next, and to make modifications in the second based on the lesson of the first. Having this feature all in one sheet adds stability to this process of step-by-step learning--you don't have to manipulate two different sheets, instead, you have the compared figures right next to each other.

Learning from writing a budget for residents in a nursing home.

There is a reason The Working Man's Home Budget is so clear and useful. It follows on the creation of a budget for residents at my nursing home. These people are extremely challenged financially. Writing a budget for them was a real pressure cooker, and from that experience writing a budget for a normal person was given an extra boost of understanding.

Pass on the budget!

It has become apparent that those who need The Working Man's Home Budget are not likely to be using a computer. In fact, that's why the budget is ideal for them. It's a notch deeper in their thoughts than a computer application would be.

So I naturally come to the conclusion I need to suggest to anyone visiting the blog here that they think of those they know who would benefit from beginning to budget their income and expenses, and buy them a copy of The Working Man's Home Budget. But please respect the copyright and buy a copy for each person you give it to. It's the law.