Ever tried budgeting for your regular family expenses but it just didn't work?
- mo4644
- Dec 23, 2025
- 1 min read
Ever tried budgeting for your regular family expenses but it just didn't work?
For many large families, especially those with simple lifestyles with strong religious values and large private schooling expenses, there isn't much leeway to cut expenses each month.
Their main focus should be increasing income, not painstaking nitpicking of spending categories each month.
Most of these families who try detailed budgeting end up stopping within a few short months, either due to difficulty, or the impossibility of keeping to the set budget when all sorts of unexpected things come up.
So what's the best way of tracking finances if budgeting won't work?
A simple Calculation of monthly expenses, monthly income, and the final Gan/Loss.
Classic Ramsey style budgeting assumes as a given that income is enough to cover basic expenses, and that most people are overspending drastically on unessential luxuries.
When this isn't the case, it no longer makes sense to put so much effort into this aspect of personal finance tracking.
I'll soon offering a new service, educating families how to efficiently reach their monthly Gain/Loss number with only one hour of work per month.

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