The family financial program described in this blog has these aims:

• A spending plan that is based on complete family agreement.

• A simple, tested system for operating it.

• Knowledgeable methods of purchasing family needs.

• The development of a family capital fund to keep costs of credit down.

• Continuing attention to increasing real income through securing best available returns on savings consistent with family investment needs, and using all available income-tax savers.

• Awareness of community benefits; to know where to turn in time of need.

This plan has as its foundation a personalized system of managing money called planned spending. It is actually a more modern, more interesting, and much more successful way of budgeting.

This is a system that works. It has been tested in actual use by families who were experiencing money problems. These methods were significantly successful in helping them catch up on debts, advance toward their goals, end disputes over where family money goes, and in several cases, increase family investment income.

The system and records provided here have been additionally tested by personal interviews with budget-experienced home-makers in different areas of the country. These money-wise women told exactly the kind of records and information they sought for handling family finances.