Product Description
The everyperson’s easy guide to budgeting—with 75 worksheets!

Do you reach the bottom of your checking account before you reach the end of the week? Are you looking to have "more" with less cash? Budgeting doesn’t have to be drudgery. These days, everyone is looking for smart, practical ways to make every dollar count. The Everything® Budgeting Book is for anyone who is trying save for their future—whether it’s for a house, a child’s education, or something on your wish list, such as a new car or dream vacation.

Filled with practical tips and advice you can use immediately, The Everything® Budgeting Book can be used time and time again as your life—and financial picture—changes. Whether you need to restructure debt, save for retirement, or are just looking for ways to trim costs on everyday expenses, this book will help you get in the black fast. Featuring 75 worksheets that you can copy and use over and over again, this user-friendly guide will help keep you financially healthy for years to come. With this hands-on book, you’ll be able to balance your checkbook without acrobatics, free yourself from pre-payday panic, and have money for the things you really want.

The Everything® Budgeting Book gives you:

·Advice on how to assess your spending patterns

·Easy-to-follow worksheets

·Numerous debt-consolidation resources

·Practical strategies to economize on everyday expenses

·Common sense tips on budgeting for the future

·Savvy ways to prepare for unexpected events ... Read more

Customer Reviews (5)

Excellent product and customer service!
I am VERY pleased with my purchase! I received it in a timely fashion and
am very happy!

great budget book
very easy to follow budget book..i sat and read it a few times and used the added worksheets to help me..and i do believe i am on my way to getting our family on a budget..a nice and simple one.

Very disappointing
This book is 289 pages and could have easily been 50.By page 80 I was bored and not interested in continuing.If you have a college education, or even remember fifth grade arithmetic, the first 40 pages are insulting.From page 40: "To figure out how much your average electric bill is, add up your last twelve monthly payments to the electric company and divide by twelve."No kidding.Page 38 explains that to determine your annual income, you multiply your monthly income by twelve or your biweekly income by 26.

The cover proudly advertises that the book "features 70 worksheets!"This is because there is a seperate page for what you spent on monday, tuesday, wednesday, etc.There are worksheets for monthly expenses, where each month has its own worksheet.I know I did not have the patience to write "cable bill - $x" on twelve different pages.

I found "the pocket idiots guide to living on a budget" to be much more helpful.After reading this tiny book, I have a working budget and feel totally confident that I will achieve my financial goals.I got nothing from the "everything budgeting book."

Good Place to Start
We have several of the "Everything" books and, as usual, we were not disappointed in this one. There are plenty of forms to use to help you layout your budget. They think of things we normally would not have. They cover what do you want vs what do you need and explain the difference. They also cover how to figure out what to budget for each person in the household.

We've tried different ones in the past but this one puts it into understandable English. Doing a budget is hard enough without spending all our time figuring out what a book is trying to tell us.

Easy To Use, Helpful and Practical
The Everything Budgeting Book is for anyone who is trying save for their future-whether it's for a house, a child's education, or something on your wish list, such as a new car or dream vacation.

The Everything® Budgeting Book gives you
· Advice on how to assess your spending patterns
· Easy-to-follow worksheets
· Numerous debt-consolidation resources
· Practical strategies to economize on everyday expenses
· Common sense tips on budgeting for the future
· Savvy ways to prepare for unexpected events

Whether you need to restructure debt, or are just looking for ways to trim costs on everyday expenses, this book will help you get in the black fast. Featuring 75 worksheets that you can copy and use over and over again, this user-friendly guide will help keep you financially healthy for years to come. With this hands-on book, you'll be able to balance your checkbook without acrobatics, free yourself from pre-payday panic, and have money for the things you really want.
... Read more

Product Description
Planning and Budgeting is one of the hottest topics in accounting; global spending on budgeting software is booming and is predicted to continue to grow throughout this decade. It's big business.

This book focuses on 'Driver-Based' budgeting (ie using external and internal non-financial drivers to predict live item expenses). The book shows the benefits that Driver-Based Budgeting brings and as such is a 'tool kit for change'. Case studies and worked examples are used throughout to ensure understanding, as well as checklists on implementation issues.

. Transform the process of implementing new budgeting software with Driver-Based Budgeting
. Shows how organisations can slash the time and cost involved in preparing their annual budget
. Accountants learn how to manage uncertainty and quickly assess the impact of both internal and external changes ... Read more

Customer Reviews (1)

frequent planning and budgeting
At the management level, Barrett offers what he terms a driver-based approach to planning. The idea is to react quickly to market changes. So just as an agile-type method for computer programming involves frequent recourse to increment changes and then iterating, so too for planning and budgeting.

The book suggests that there is a natural blend between these two fields of programming and management. One benefit might be that the frequent re-planning and budgeting makes it easier to quickly detect divergences. Plus, it redistributes the workload of making an annual budget across the entire year. ... Read more

Product Description
Southwest Texas State University, San Marcos. ... Read more

Product Description

Take on the financial responsibilities of healthcare management in long-term care!

Product Description
A practical and authoritative introduction to the concept of risk unit allocation as an alternative and more effective decision-making process for long-term investors.

*Make an informed decision about how to implement and execute a "risk unit allocation" investment policy

*Analysis of techniques to assess how risk might impact long-term investment returns

*Introduces methods to allocate assets based on the "risk unit" exposures - in individual asset classes and on a portfolio basis, to meet long-term pension obligations and investment return objectives

*Investigates ways to use VAR to accommodate a long-term investment horizon

*Contributions from leading experts drawn from consultancies; large institutional investors; pension plans; investment banks and academia ... Read more

Customer Reviews (1)

Novel approach to risk budgeting and asset management
The book provides a delightful insight into the intricate world of balancing the trade-off between risk management and higher returns.This book is meant for those either alreday in the industry or those that have a strong interest in the day to day management of large funds.A glimpse of the authors in the book would please any academician -- MIT, Harvards, Stanfords, PhD's, CFA's... The content is varied and at the cutting edge of asset management -- a must read for any interested in an academic, risk managed approach to the world of asset management.Higher returns are not guaranteed, and the book will be too complex for many, but for those with some background it's a worthwhile splurge. ... Read more

Product Description
In this clear, comprehensive guide, church financial management expert Jack Henry explains all the basics of building a solid church budgeting system.The book includes sample forms with complete instructions and commentary. ... Read more

Customer Reviews (1)

Very Useful Book
The book is very useful and was in great condition when received. The transaction was quick and no problems. ... Read more

Product Description

As Irene Rubin has shown convincingly in past editions, public budgeting is inherently political. Short-term partisan goals overrun long-term public interest and democratic processes, eroding institutional and public capacity to address collective problems. By presenting federal, state, and local budgeting within a comparative framework, Rubin's classic text gives explicit attention to issues of federalism, always sensitive to the power struggles between the different branches and levels of government. How much control is exerted from above and what degree of autonomy can be found at each level of government? What kind of influence do elected officials wield over government priorities? How do we resolve the tension between patronage, pork, and tax breaks necessary for reelection and the requirements of balance, technical efficiency, and prioritization?

Analyzing each strand of the decision-making process, Rubin shows the extraordinary coordination involved in passing a budget and achieving some level of accountability. By moving beyond the simplistic and rigid "executive proposal and legislative disposal" cycle other books follow, Rubin explores shifts in power over time and explains decisions that do not always flow in a linear fashion.

A thorough revision at every turn, updates include:


• the return to massive deficits at the federal level, requiring more attention on the relationship between budget process and outcomes
• the resurgence of secrecy in recent years, looking at how and why the level of transparency decreases at some times and increases at others the implications of 9/11, exploring the impact of funding wars in Afghanistan and Iraq
• the difficulty of getting Inspectors General sufficient independence and cooperation to implement their work, showing how these officials are "straddling a barbed wire fence"
• over twenty new minicase studies

Customer Reviews (3)

Budgeting
The book is quite interesting. It provides very comprehensive analysis of public budgeting explaining it from local, state, federal levels. One of the pros is that the book is not concerned with boring budgeting terms but with policy explanation and changes. It gives you the broad view of how budgeting is done and how the budget cycle is affected by different environmental and policy changes. It flows well and is an excellent tool for somebody who wants to gain the knowledge of general budgeting rather than detailed budgeting. I would definitely recommend it.

Positive Review
The book was delivered on time just as promised.The book was in the condition described (new).good text book.

Real-time Budgeting View
Those of you who read Aaron Wildavsky's(1979) "Politics of the Budgetary Process" know the big debate over public budgeting between those who believe public budgeting process is politically incremental and, therefore, who focus mainly on the individual actors and their strategies, and those who propose a more comprehensive and global outlook that focus on dynamics in the larger environment, which subsequently affect and shape how individual actors behave and respond to episodes.

Rather than approaching public budgeting from the narrow perspective of incremental view of public budgeting, which sees budgeting as negotiations among a group of routine actors, bureaucrats, budget officials, chief executives, and legislators, who meet each year and bargain to resolution, in "The Politics of Public Budgeting" Rubin (2000) develops what she calls "real-time budgeting" perspective, which refers to the continual adjustment of decisions in each stream to decisions and information coming from other streams and from the environment. Streams include:

The Revenue Cluster: Revenue decisions include technical estimates of how much income will be available for the following year, assuming no change in the tax structures, and policy decisions about changes in the level or type of taxation. Will taxes be raised or lowered? Will tax breaks be granted, and if so, to whom, for what purpose. Which tax sources will be emphasized, which de-emphasized, with what effect on regions and economic classes, or on age groups?

The Budget Process Cluster: The process cluster concerns how to make budget decisions. Who should participate in the budget deliberations? How influential should interest groups be? How much power should the legislature have? How should the work be divided, and when should particular decisions be made?

The Expenditure Cluster: The expenditure cluster involves some technical estimates of likely expenditures such as for grants that are dependent on formulas and benefit programs whose costs depend on the level of unemployment. Policy relevant expenditure questions involve which programs will be funded at what level, who will benefit from public programs and who will not, and similar questions.

The Balance Cluster: The Balance cluster concerns the basic budgetary question of whether the budget has to be balanced each year with each year's revenues, or whether borrowing is allowed to balance the budget, and if so, how much, for how long, and for what purposes.

Budget Implementation Cluster: Budget implementation cluster concerns the basic budgetary questions of how close actual expenditures should be to the ones planned in the budget, how one can justify variation from the budget plan, and the budget can be remade after it is approved during the budget year.

According to Rubin (2000), "budget outcomes are not solely the result of budget actors negotiating with one another in a free-for-all; outcomes depend on the environment, and on the budget process as well as individual strategies". "Individual strategies have to be framed in a broader context than simply perceived self-interest" (p. 33). What happens in the clusters consequentially is affected by the global environment of public budgeting and the perceptions and strategies of individual budget actors are adjusted accordingly. The clusters model of Rubin (2000) reminisces the "policy environments framework" (developed by Nakamura and Smallwood [1980]) that views public policy process as a simultaneously interaction among individual actors, elements of importance and arenas of power in three policy environments (policy formation, policy implementation and policy evaluation environments) with each environment having influence on the other ones with the help of communication linkages that let each actor in one environment the opportunity to send message to the others in the other environments. In Rubin's real-time budgeting view, each cluster is imbued with different questions and each cluster attracts a different characteristic set of actors and generates its typical pattern of politics (p. 27) and what happens in each cluster is influenced by the episodes in the larger policy environment.

Based on the real-time view of public budgeting, Rubin (2000) organizes her book into nine major chapters, with each chapter explaining the clusters in detail and supporting arguments with didactic short case studies. In general, the book provides the reader with a dynamic and rich description of budgeting process in public sector.

Having reviewed public budgeting process, Rubin (2000) recommends that a balance of power should be established and maintained between the executive and the legislature, so one can catch the other at bad practice-a recommendation running contrary to the argument that to solve federal budget deficit problem either the executive or the legislature has to be empowered.

Overall, Rubin's book is a well-written, clear, and descriptive account of public budgeting process, and, so entertaining and engaging that create a sense in the reader that s/he should read more about the subject to better comprehend the complexity and dynamism of public budgeting. I recommend "The Politics of Public Budgeting" as a powerful text to those who are interested in the subject. Also recommended are "Politics of the Budgetary Process" by Aaron Wildavsky (1979),"Public Budgeting Systems" by Robert D. Lee and Ronald W. Johnson (1998), "Public Budgeting in America" by Thomas D. Lynch (1995), and "The Federal Budget: Politics, Policy, Process" by Allen Schick (2000). ... Read more

Product Description
A classic presentation of both the conceptual knowledge and real world applications of comprehensive profit planning and control. ... Read more

Customer Reviews (1)

A book for students of budgeting
This book aimes at giving the reader a comprehensive picture of the budgetprocess from the creation of the different parts of the budget to the finished result, and the processes after the completion.

The authors tryto make it the most complete, practical and readable book aboutbudgeting.

I think, that the result is very good. The only things I missis more emphasis on the subject of making the budgetassumptions and thedifficulties in educating people in the company in the budgetprocess. ... Read more

Product Description

Master the Fundamentals of Money and Learn to Make Wise Financial Desicions

Much of what we do with and for our money is determined by beliefs as old as money itself--beliefs of which we are often unaware. Societal forces sanction those ancient beliefs, and our families of origin unwittingly grant them the kind of power only unexamined beliefs can have: the power to act contrary to our stated intentions.

Customer Reviews (1)

Best Guide I've Found for Living an Abundant Life
After reading the three volumes of A RETURN TO ABUNDANCE, I now have meaningful and enjoyable conversations about money and finance with my teenage children. Other financial books I've read didn't jumpstart money conversations with friends and family.Here are three reasons I think A RETURN TO ABUNDANCE succeeds.

1. Money unconsidered is an unconscious demon, we react out of our long-standing patterns, rather than acting based on conscious choices. Author Paul Gubany's brilliant use of everything from the history of money, to psychology, to Greek Mythology helps uncover a person's individual money patterns.(Volume One and Two) Once you know the patterns, you have choices - and life patterns are always fun to talk about.

2. If you don't decide what's ENOUGH, you'll never have ENOUGH.Gubany helps us figure out what our own Abundance is, and he shows us the satisfaction and simplicity of living with a personal definition of Abundance.(Volume Two) If you don't know what's ENOUGH, you'll never ever have enough money.Gubany's process gave me a sense of peace and well-being about money that I've never felt before - I'm freer now from the money demon than I was before I read A RETURN TO ABUNDANCE, freer than anytime I can remember!

3. A RETURN TO ABUNDANCE, along with its engaging presentations about the nature of money and the human psyche, also includes the technical aspects of understanding the time value of money.(Volume Three) No problem for my kids to understand this third volume of A RETURN TO ABUNDANCE, and, barring the collapse of our world order, they see how they can realistically and easily accumulate a millionaire retirement during their working years. These are nice conversations to have during dinner.

My advice - stop reading the reviews - start reading A RETURN TO ABUNDANCE.I wish Paul Gubany a wide readership, his book is a work of love, a work of art, a benefit to anyone who will open its covers.

Lars Clausen
Award Winning Author
One Wheel - Many Spokes
... Read more

Product Description
This book covers all aspects of budget preparation, from designing and creating a budgetary control system, consolidating data and working with spreadsheets.

Now fully updated to include the latest version of Excel, Excel 2007 and for easy budgeting now with access to an online resource of worked examples and spreadsheet templates. The book shows how things are done in Excel 2003 and Excel 2007 to ease transition from the previous version to the new version. Now in full colour throughout to aid quick uderstanding through numerous colour screen shots.

For those who use Excel on a daily basis in budget planning, this book is a must. It contains a wealth of practical examples, tips, new techniques all designed to help quickly exploit and master Excel to its full advantage and therefore use spreadsheets for more effective management accounting in your firm.


* covers migration from Excel 2003 to Excel 2007 showing how to do it in both versions
* new edition now in full colour through out to aid quick understanding
* practical examples, tips and techniques - exploit Excel 2007 for effective management accounting
... Read more

Customer Reviews (1)

excel for standard planning
I bought this book hoping to learn something new and advanced but found myself redaing things that are simple to impliment in excel.
There examples are on a very basic level , the templates that are supplied are for understandning the basics and no more then that.

Over all, I was very dissapointed. This book is for for beginers in excel who want to upgrade their thinking and planning to beginner plus level.
... Read more

Product Description
The basics of implementing and maintaining a personal budget.Includes information on how to set up and follow a budget for a happier life. ... Read more

Customer Reviews (2)

Easy to read, easy to implement
Finally, a book on personal budgeting that I was able to understand and put to use.I recommend this guide to others like myself who have a difficult time with their finances.I never knew where my money was going.

A sure fire method that will get your finances in order.
The author has another blockbuster on personal finance.This book is aneasy read, easy to understand and easy to implement the personal budgetingguidance contained therein.An average working person who follows thebooks outline, will be able to accumulate millions in their life time andbe able to retire with a standard of living they thought impossible.Therecommendations in this book works for those who have the courage toimplement the authors easy to follow guidance. ... Read more

Product Description
Figuring out how to make dollars work longer and harder is a tough job for anyone regardless of income.This book explains the basics of creating a budget, and managing spending habits. ... Read more

Customer Reviews (3)

I can budget my expense in 10 mins!
Well, if everyone keeps good records & update their check books/statements, pay on time, save $, shop smart, buy less, invest more wisely, we can all be well off!

Personal Finance - Budgeting
Good Book for the thought.Keeps you focusedon exact budget instead of impulse spending.

I can't tell you want a godsend this book has been to me
My wife and I squabbled for years over who was spending too much. Therenever seemed to be enough money, no matter how much we both earned. Afterreading this book, we were able to budget effectively for this first time.And it doesn't take that much time. What's best is we have more money leftover, and we don't argue about money anymore! ... Read more

Product Description
This book is a companion volume to the authors' classic The Capital Budgeting Decision and explores the complexities of capital budgeting as well as the opportunities to improve the decision process where risk and time are important elements.

There is a long list of contenders for the next break-through for making capital budgeting decisions and this book gives in-depth coverage to:

* Real options. The value of a project must take into consideration the flexibility that it provides management, acknowledging the option of making decisions in the future when more information is available. This book emphasizes the need to assign a value to this flexibility, and how option-pricing theory (also known as contingent claims analysis) sometimes provides a method for valuing flexibility.
* Decomposing cash flows. A project consists of many series of cash flows andeach series deserves its own specific risk adjusted discount rate. Decomposing the cash flows of an investment highlights the fact that while managers are generally aware that divisions and projects have different risks, too often they neglect the fact that the cash flow components may also have different risks, with severe consequences on the quality of the decision making.

Designed to assist business decisions at all levels, the emphasis is on the applications of capital budgeting techniques to a variety of issues. These include the hugely significant Buy versus Lease decision which costs US corporations billions of pounds each year. Current business decisions also need to be made considering the cross-border implications, and Global Business Aspects, identifying the specific aspects of international investment decisions, appear throughout the book. ... Read more

Customer Reviews (1)

Simplification of Capital Budgeting complexities
This book gathers many subjects that are usually contained in several books. The exposition is clear and simple and very didactic to be used in an advanced course of Project Finance. In addition, it is an excellent reference for practitioners. ... Read more

Product Description
This book is more ambitious in its scope than originally intended. In the beginning we were simply attempting to write a textbook for use in our public budgeting and financial management course at the Naval Postgraduate School because we could not find another book that covered all that we wanted to teach to our students. However, as we wrote pieces of the book over a period of years, we realized that it would be possible and desirable to produce a book with much broader coverage and relevance.

Budgeting and financial management in the U.S. federal government is highly complex and highly differentiated, e.g., in the processes employed by the Executive branch versus those used by Congress. In this book we attempt to cover the processes of both the Executive and Congress and the relationships between the two. The book provides views from several perspectives, e.g., managerial and political. We attempt to provide readers with an understanding of how federal budget and financial management processes are supposed to operate. However, we then go a step further to show how these processes actually operate often in contrast to the intended template. Additionally, this book is intended to capture and combine the views of the academic and the practitioner, including those of the participants in the process. For the above reasons, we believe this work is unique relative to other books written in this topic area. ... Read more