Everyone needs to keep watch on his money. As the shepherd keeps an eye on his flocks, everyone of us is the custodian of his money. In this role do we have a plan to ensure the accomplishment of our mission?

Each of us is the architect of his own destiny. Good control over money is an important aspect of life. All of us should be capable of wisely using his money for the common good, benefiting self, family and society. In reality, most people in all walks of life, leave things largely to chance, and grope in the dark.

In this booklet, I have attempted to relate my own experience on the subject, hence the title “My Home Budget”. It may be divided into 4 sections: Introductory, explanatory, exercises, and closing.


Much effort had been expended to promote ease of understanding. Perhaps teenagers and those older, would find some benefit. This may in turn enable them to formulate or upgrade their system accordingly.
The limitation is that more complex matters related to savings, investments, loans, etc. are not discussed at length. The focus is on daily spending and cash balancing.
If you feel that it still meets your desired goal, then this booklet may be of some use to you and those around you.
You can treat this as a beginning. Later on, it may be your turn to work for a better system, so that more people would turn over a new leaf. Who knows, over time people can no longer talk of estimates being low