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This is both a how to book and a motivational book to help people create a household (personal) budget. It explains who should create a household budget, the benefits that can be derived from the process, and dispels the myths that it might be too restrictive or complicated. Personal budgeting is not a complex process. This book will steer you in the right direction, and walk through the steps to get you on your way. It provides solid examples, and demonstrates a simple methodology for setting up such a budget. It presents a clear and easy to understand process of developing a simple budget, and then optionally growing into a more sophisticated model with cash flow forecasting.
This book is about the author and the techniques that her parents used to teach her to budget. This book will provide some basic tips for learning to budget, understanding what it means to save for a "rainy day," and learning to live within your "means" through practical examples provided in this true life story.
In an effort to bridge the gap between budget theorists and practitioners, this book approaches local government budgeting as the internal resource allocation process of a highly differentiated organization that operates in a very political environment, and whose boundaries are particularly permeable during the formal budget process. Written by academics with extensive practical experience in local government budgeting and finance, this text will be equally useful to practitioners, scholars and students. Theory building in public budgeting has been dominated by political science and economics, and these approaches have not produced theories that can serve as guides to action for practitioners or help them understand their action environments. In order to produce theory that has meaning for practitioners, researchers should approach the subject as it is experienced by practitioners. The long-term financial health of local governments requires an integrated approach to public budgeting. This book develops theory that illuminates practice. It recognizes that the budget process is the only organization-wide process that integrates all of the agencies that comprise the government, and thus, the budget must address the long-term consequences of any action. The budget process itself is presented as a vehicle to develop the decision premises and organizational values that will support allocative efficiency and productivity.
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