'Where does my money go?' is the common lament. Everybody is told to budget and save, to learn the difference between 'needs' and 'wants' - but how do you actually do it? This kit provides a clever solution. An extremely useful budgetary tool for families, flatmates, couples and any combination of people living in a household, it takes the headache out of budgeting and makes it simple to manage personal finances. The kit contains tear-out (or photocopy) blank forms to get started immediately. Details of spending, costs and expenses are loaded into the fact-finding sheets for every person living in the household and these figures are transferred to the Master Household Sheet, which contains the running costs for the household. A clear picture emerges of any shortfall in funds, or excess spending that needs to be addressed. It's a simple step from here to establish debt elimination strategies and saving plans. The New Zealand Household Budget Kit is the perfect tool for anyone wanting to understand exactly where money is spent.

Author Biography

Sylvia Bowden is the author of How to Stop your Kids from Going Broke. She wrote a weekly column called 'Money Talk' for the Bay of Plenty Times for a number of years. Her first-hand experience of how many people lack the basic skills to budget has made her passionate about the need to educate people about establishing financial security. She is currently studying for a National Certificate in Adult Teaching and Training.