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The different aspects of a family budget worksheet

A family budget worksheet is a family financial planning calculator. To understand the importance of a family budget worksheet, we must dig deeper and understand the importance of the family. This is because, the family is not a business corporate therefore the laws of the corporate business world are not applicable within the family. This is the realization that should be the perfect motivation for preparing a family budget worksheet. This realization is the precise reason why people always talk of keeping business and family separate. Such a spreadsheet can be very effectively used to plan the safety and financial security of the members of the family.

In its constitution, the family budget worksheet is similar to a personal budget spreadsheet. The only difference is that a family budget worksheet shows the financial comparison of the different members of the family. This is a very important point to remember as the income comparison can be a source of ego clash between the members of the same family. Therefore, in order to use a budget spreadsheet of the family, the members of a family should be matured enough to understand and accept the career journey of the other member(s) of the family. A simple formula to remember about this is every individual has a separate career path of his or her own, even if they are colleagues at the office. In addition, it is important to remember that the welfare of the whole family is a more important issue than the ego clash between members of the family.

The family budget worksheet should have a separate tab where the total income of the family and the total expenditure amounts of the family are maintained as whole figures and not as a breakdown of the contribution of individual members of the family. This will be helpful in understanding the financial position of the family as a whole and not the financial position of an individual member of the family.  Now, since the total amount in the budget is bound to be greater than any individual member so the total family budget will give every earning member of the family as a sense of high which should be accepted with regards to the other earning members of the family.

budget worksheet

Maintaining a budget spreadsheet for the family is a huge responsibility and the contributors to the family income should jointly share the responsibility. However, the family may also entrust any one member of the family particularly with the responsibility of maintaining the spreadsheet. In such cases, it is solely the responsibility of that person to maintain the trust that others have bestowed on him or her.  Also, it is important to maintain honesty in the family budget worksheet. Unaccounted for income and expenditure on the worksheet will be responsible for a false estimation of the status of a family, and false estimation can bring in unaccounted for problems for the family.

Finally, while preparing the spreadsheet it is necessary to remember that a family also supports non earning members. The earning members should not judge other members on account of their absence in the income column of the family budget worksheet. However, there must be a fair justification behind a member being non earning in the family. For instance, you should never look at children with the eyes of income and expenditure, for the children may one day look back at you with the same look. Children learn from their parents.

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