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.