A sad lady with many tensions in life.

Not all tension is bad. In fact, a reasonable amount of tensions is good and essential for life. This is evident when we realize that every human effort involves some tensions. When we look up, our eyes become tense. When we move our head, muscles in our neck tighten. When we eat, dress, walk and talk, everything we do involves a certain amount of tension. The object, therefore, is not to do away with all tensions, but to modify and control excess tensions.

Too much tension can be harmful both to body and mind. Excess tension is born of one’s thought. It grows by the way one thinks about things or by the way one sees them or feels them. A tense person, therefore, is at mercy of his or her thoughts.

Directly or indirectly, excess tension is responsible for most common of disorders, such as high blood pressure, ulcers and heart attacks. It also produces nervousness, irritability, excess worry, insomnia, speech disorders and psychosis. It is the single cause of fatigue and depression. It is said to be more prevalent than the common cold and is regarded as the “chief killing disease” today.

How are most at risk?

What sort of person is likely to succumb to the ravages of tensions? Evidence shows that the aggressive, highly emotional and energetic people are most susceptible to tensions. These people seem to tackle their assignments restlessly, without adequate physical or mental relaxation.

They do work and get far in their fields as long as they last. They bottle up their emotions and keep a calm face to world, at least when they are away from home. They are not neurotics or psychopaths but simply persons who are more exposed to tensions precipitating factors. Their condition does not spell disaster, but it requires attention.

Are you suffering from stress? How can you tell? Tense people usually talk about being all pinned up inside, they feel as if they are going to explode. Very often it is the sufferer’s way of saying he or she feels tensions building up.

Overly tense persons are fidgety with their arms and legs. They often complain about the weather, the food or their health. As a rule they speak fast, in a high pitch and slur their words or even stammer. Insomnia and annoyance are almost always indication of excess tenseness. So is nail-biting. Persistent headaches, usually in the back of the head, are a sign too. All this are some of indications of excessive tenseness.

What are some major causes of tensions?

Most abnormal tensions are usually connected with or arise from one’s relations with other persons. They build up as a result of personality clashes, injustices or when a person is affected by injustices, heavy jobs requirements or when a person is subject to unpleasant living and working conditions.

Take an example of work tense condition. In the last decade or so some businesses have grown so fast that companies have trouble finding enough experienced men to fill top job. Consequently, young people are put into positions of great responsibility without proper training and before they are ready for them. To make good, these young people have put everything they have to put everything they have into their work. As a result, they become tense, and in short order they develop spastic colons, ulcer and what have you.

A good example is a case of a thirty-seven-year-old man who was made vice-president over a group of men who had more experience than he. The young man was very conscientious worker, a natural manager, the examining doctor said. “But no one took the trouble to build him up, to tell him why they thought he was fit for the job and to give him that necessary pat on the back.” The young vice-president died of heart attack not long after he took office. The doctor said: “I am sure a contributing cause was a promotion made too rapidly without sufficient preparation.”

What about home conditions? In some cases, wives have been found to be the cause of husband’s tensions. They pressurize their husbands to maintain their lavish lifestyles. This results in tensions on the part of the husband affecting his home life.

On the other hand, some husbands too are often responsible for their wives tensions. They verbally or physically abuse their wives until they dread to see them come home. Children also become tense when father and mother do not get along or when parents expect more of them than they are actually capable of delivering. If goals are set too high, the child becomes frustrated trying to meet them. Thus he or she learns to hate school and cringes at the sight of his or her parents.

Indeed, not all people react the same way to stress. Some people thrive under pressure, while others are made sick by it. One man can laugh off personality clashes and problems. When confronted with a pile of work, he will roll up his sleeves and wade into it gusto. But, on the other hand, another man just as qualified is hurt by the behavior of others and is distresses by the very sight of heaped-up work. He becomes tense, nervous or sick.

However, the basic fact is that tension is often closely related with irregular living habits. Living habits are not easily changed, but they can be with conscientious effort. A more relaxed life can be more rewarding than one affected by tension. So how can you cope with tension?

How to relieve or deal with tension?

Since tension is created by the individual by the way one thinks about things or by the way one sees them or feels about them, tension release must be brought about by individual thought control. This calls for a constant vigilance upon the part of the individual to examine and reexamine ones thinking in relation to one’s own reaction to things that affect his or her life. When one learns to control pressures by taming one’s thinking process, one can achieve a poise and stability that will free him or her from abnormal pressure.

Success will not come from a half- hearted effort nor will it come overnight. It will take determination, persistence and time. Yet the result will be worth the effort, whether yours is an occasional mild case of tension or one that is more severe.

The first step is to be able to recognize what is wrong. This is often easier to determine than finding a solution. The best thing that one can do at times is to find suggestions that may serve to arrest the harmful effects until something else can be done to put an end to them permanently. Just to tell tense people to relax or forget their troubles and every will be alright, does little if any good. The heavy mental expectancies that have been built up must be removed. The sufferer alone knows what these expectancies are and must wrestle with them until one finds a way to dispel them.

Those tense during the daylight hours must see that they get at least eight hours of sleep. This is essential. Telling others how you feel also helps. This is because it aids one to unburden oneself of loads that weigh heavily upon one's mind and heart. Regular walks each day are very relaxing. A glass of warm milk before retiring helps some to sleep soundly.

Do not fret over things that you have no control over. Practice tolerance. Be moderate. When you feel yourself become impatient you can take a walk, hum a tune, or sing a song. Does the schedule annoy you? Change it. Exercise, go boating, swimming or read a book. Does your head feel as if it is in a vice? Rub the back of your neck, scratch the top of your head or stoke your chin. These are all tension dischargers.

Many things that create tensions have no basis in reality. They do not occur at all. Therefore, train yourself to concentrate more on actualities and less on imaginative roadblocks. Rather than fear failure, give your attention to the job at hand. Think about it. Do it the best you can. Whatever the outcome, do not brood over it. Keep looking ahead.

Oftentimes tensions mount when in the presence of a particular person. Is there something about this person you cannot tolerate? If so, what is it and when does it occur? Try to set matters right before it get out of hand. Often emotionally toned words set pressure soaring.

A nagging wife or a domineering mother-in-law can cause one no end of trouble. However, try talking out your differences. Do not bottle them up. If necessary, confide problems to a person you can trust. It relieves the strain. It helps you to see your troubles in clearer light. It clears your mind for sensible action.

Tension wells up when you feel like lashing out at someone who has provoked you. Hold off the impulse if you can. Wait until tomorrow or the next day or next week, and then see how insignificant the occasion becomes. Meanwhile, do something to get rid of your pent-up energy. Mow the lawn, clean the car, and chop some wood. That is, do something constructive.

If you feel argumentative, change gears. Become more agreeable, less defiant and less obstinate. This will keep pressure down. It is good to yield occasionally. When you do, others will also. Tensions will subside. Do not be overly competitive, but seek cooperation from others. Hence go easy on criticism. Instead search out good points in people and help them develop them.

Do not always tear yourself down. Do your best, but try not to be best in everything or else you will open yourself to failure. Reach out to do work, but this does not mean you presumptuously push yourself forward. Over ambition may be resented and really lead to rejection.


These are very simple suggestions. There is no guarantee that they will completely solve your problems. But, if applied, they are bound to do some good. Sometimes the forces within us are so great that outside help is needed. In that case, do not be ashamed to ask for it. But know that, no matter how great the help, the problem is still yours and you yourself will have to learn to cope with your tensions.

A husband and wife quarreling.

Avoid quarrels

A quarrel is always unpleasant. It is defined as a breach of concord or verbal strife followed by severed and strained relations.

When there is a quarrel almost invariably each side seeks to blame the other for it. However, the fact is that both sides are to blame, because it takes two for a quarrel. If one is trying to start a quarrel or pick a fight, they will get nowhere and there will be no quarrel so long as the other ignore them or refuse to respond in kind.

Indeed on has the right to defend themselves from bodily harm, but one does not need to pay back blow by blow. Usually, prudence may be indicated by taking flight when attacked, then resorting to legal redress later when you are out of harm’s way.

Avoiding being incited

What if it is just a slap? Usually a slap on the face is intended as an insult and may be for the purpose of provoking the recipient to rage so that there will be a quarrel or a fight. In such a case it would be wiser to ignore such provocation or at least not play into the hands of quarrelsome ones by imitating their methods.

Note this true life incident. A group of four foreigners were touring one of Europe’s leading cities in a bus filled mostly with natives of the city. Repeatedly they all left the bus to view places of interest and then returned. At one such place a native stepped up to one foreigner traveler and began hurling insults at him. Taken aback, the foreign traveler was at loss as to what to make of it, but gathered that somehow he had unwittingly offended the hotheaded native.

He took care not to answer in kind, which apparently was what the native hoped he would do so as to have an excuse to strike blows. Instead, he apologized for any offense he may have occasioned and assured the angry one that no offense had been meant. This conciliatory attitude robbed the native of the occasion he had been seeking and the incident came to an end.

It is so easy for a quarrel to start among those closely associated because of the living together in the same office or home. Often a quarrel results because one feels that he has been wronged, perhaps even defrauded, by another.

But even if there such an injustice, this does not justify quarreling and angrily raising the voice with abusive words. There is never any justification for losing one’s temper as doing so never helps matters, but only adds insult to injury in the mind of the other and makes matters worse. If need be, it would better to seek arbitration than to cause physical harm to one another.

Often, merely a dogmatic statement by one person is sufficient to start a quarrel because of its nature of being a challenge to another. However, instead of meeting a dogmatic statement with another dogmatic statement, would it not be wiser to remain silent? If it is necessary to make a reply, then do so tactfully, perhaps by posing an enlightening question. This may cause the dogmatic one to recede and if not, at least the avoid aggravating the situation.

Mental aids

One of the greatest aids to avoiding quarrel is empathy, being able to put oneself in the other fellow’s place or mental frame of mind. By doing so you will be able to appreciate the reasoning and feelings of others and so understandingly work for peace. In the interest of peace one should be willing to forgive in order to restore strained relationships.

Another great aid to avoiding quarrels is self-control. In the presence of provocation hold a tight rein on your tongue as well as your facial expressions and your hands. Let principle, not passion rule. Knowing what harm quarrels can do and how easily they can get out of hand, it is truly the course of wisdom to steer clear of quarrels.

In turn, love and humility will help us to exercise self- control. Love for our fellow human beings will help us make allowances for the failings of others and humility will keep us from setting ourselves up as judges of others.

So, for the benefit others as well as yourself, when provocation arises, remember, it takes two to quarrel.

A young man having trouble to sleep.

Many people occasional or frequently have difficulty in sleeping. Sleeplessness is therefore a widespread problem and is one of the commonest complaints met by physicians. Doctors generally prefer to use the term insomnia for prolonged failure to obtain enough sleep to maintain health and well-being.

It may take the form of inability to fall asleep upon retiring, frequent awakening in the course of the night or awakening before enough sleep have been obtained. What can you do when you find yourself in such a problem?

One of the first things to do is to check to make certain that it is not caused by some physical disease. Some persons worry considerably if they have sleepless night, failing to realize that occasional sleeplessness is not unusual. An average good sleeper may have difficulty in sleeping in about one night in ten. Yet one bad night in ten can cause a person to worry, build up anxiety, which in turn brings more sleeplessness

Hence, have the wrong attitude towards sleep or some emotional anxiety can cause insomnia. Let us see how this comes about.

Trying too hard to sleep

Because of the fear of losing sleep, some persons try too hard to go to sleep. This defeats one’s objective, since it increases muscle tension and feeds back nervous impulses that keep the brain awake. Trying too hard to go to sleep does not work, because going to sleep is not done all at once, but rather little by little.

Human sleep is made up of several periods sleep, separated by shallow periods of slumber. Most persons are said to be half awake during at least one of this periods. Hence insomnia can occur when a person becomes alarmed about this momentary wakefulness and has trouble tapering off into sleep again.

However, at times what appears to be insomnia to some persons may be exaggeration. One may think that he or she was awake during the night, but may have been only partly awake. In the morning one may think that they spent a great deal of the night awake. But the loss of sleep is rarely as bad as it seems.

If a person feels a sense of well-being and is able to exert ones natural faculties the next day, then he or she needs no medical treatment for insomnia. What you need to do is learn how to deal with your emotional anxiety problems.

Deal with problems that cause emotional anxiety

Many persons tend to take their problems to bed and thus find it difficult to sleep. But one’s bed is not the place to solve problems, the place to take worries, the place to ponder over things that should have been done during the day or the place for anxious over the next day.

If one has a problem that can cause sleepless nights, then one should go about solving the problem by making the necessary changes in life to prevent the harmful negative emotional effects.

For example, living beyond your means will only bring sleep assaulting worries. Heavy debt will cause you to worry about how you will manage to make repayments. Or if one is hasty in their speech and in anger says unkind things to others during the day, one may lie awake at night worrying about what you said.

Remember emotional anxiety can play havoc with the soundness of your sleep. Therefore you should not overlook the fact that how you live your life during the day will ultimately affect the quality of your sleep. Hence, make the changes in your life style to reduce avoidable problems that cause needless tensions and anxiety.

Another very common cause of sleeplessness is too much stimulation just before bedtime. This is usually caused by taking beverages such as tea or coffee shortly before bedtime. Such beverages contain caffeine substance that may keep one awake. So cutting off strong stimulation well before bedtime, one has a better opportunity to go to sleep easily.

Unfamiliar noises are also likely to cause temporary sleeplessness, until one becomes accustomed to them. You may choose to use earplugs to overcome these disturbances.

Aids to sleep

It is surprising how many sleeping aids are on the market. There sleeping masks, pillows, soothing recordings and many others said to be sleep inducing aids. Whatever the aid, one thing is apparent, certain aids will work for some persons, but for others they may be of no help at all.

A few other non- gadget aids that work for some persons are these: A little exercise such as a walk in the fresh air for a half hour just before bedtime. Then reading in bed till drowsiness overcomes one. A well-needed vacation or change from the routine may help some find their normal sleeping pattern.

Sleeping pills are one of the most commonly used aids. Although doctors do not entirely give prescription for them, most doctor advice taking the pills for as short a time as possible and suggest using them only when sleep does not come because illness.

For example, persons who have an anxiety of not sleeping, the mere possession of a sleeping pill may remove the anxiety that really keeps one awake. However, pills are to be viewed as temporary crutches, not something to learn upon regularly. This is because they treat only symptoms and do not get to the central of the problems.

Wine and malt drinks such have long been used as aids to promote sleep. As a sleeping aid for elderly persons, some doctors recommend a little wine rather than drugs. However the use of any alcoholic beverage as a sleep aid comes with a word of caution. One should not take more than what is need for inducing sleeping.

Other persons troubled with occasional sleeplessness gain considerable benefit from herbs teas specially formulated for producing sleep. Herbs such as skullcap Valerian,Peppermint and Hops can help bring on sleep.

Some find that all they need to induce sleep is a little food at bedtime, perhaps along with a glass of milk. Others may also sleep well with merely some fruit, teaspoon of honey, a glass of fruit juice or some hot lemonade. Getting in the habit of going to bed at reasonable hour is likewise helpful.


Regardless of the cause, sleeplessness can be irksome problem, and it is hardly a joking matter to those so bothered. You may wish to experiment with some of sleeping aids. But in most cases, for lasting benefit, the emphasis might more profitably be placed upon learning what it is that keep one from sleeping and effectively dealing with that.

Reinforced doors to prevent burglars from entering a house.

One woman upon returning from work was shocked to find the lock of her door broken and the rooms a shambles. Drawers had been emptied on the floor and everything pulled out of the closet. Watches, jewelry and money were gone.

This experience is quite common in some big cities and their suburbs around the world. Working people who are away all day have become favorite targets of daylight burglar. Since most of these thieves are drug addicts, they take anything they can, clothes, television set, radios cameras, and so forth. However, professional burglars usually concentrate on businesses and homes of wealthy people.

Indeed burglary is such a great problem that many homes now have high walls around them with fierce dogs running loose in the yard. Usually it not safe nowadays to go out without leaving someone at home to keep thieves away.

It is not an easy matter to keep burglars out of your home, but it is possible to make the burglarizing of it so difficult that they will choose to go somewhere else. So, how can you then safeguard your home from burglars?

Locking your door

The first thing a thief is likely to do is to try the door. There is a good chance he will find it unlocked. One burglar confessed that some doors in an apartment house he tried on one occasion, some to his surprise were left unlocked. Hence, it is importance to double check before you leave to ensure that your door is locked.

Doors opening onto a garage, balcony or into a basement are usually left or inadequately locked, giving the thief easy entrance to the house. For example, once a burglar probably can crawl through the basement window and get into the basement; he will have free access to the rest of the house through the basement door.

So how is your garage or basement door? Is it locked? And if it is, is the lock very weak or the wood around it in deteriorated condition? Now would a good time to rectify the problem, before a burglar exploits this weakness.

Locks and door conditions

A door is only as good as its lock. A lock door commonly used on the front doors in some homes is the spring lock with a triangular latch. It is a simple matter for a thief to open a door having this type of lock. With nothing more than a plastic card or a piece of Venetian blind that can be worked the crack of the door, a burglar can push the latch back and cause the door to swing open. A better lock would be a rectangular or circular dead bolt that is not held in place by spring tension.

However, if the wood in the door frame is soft or rotted from age, the door will offer little resistance to a burglar even if it does have a strong lock. All a burglar has to do is press his shoulder against the door or pry with a small crowbar and it will likely fly open. The same thing can happen if the screws used to hold a lock in place are too short.

So, do not overlook the other side of the door where the hinges are. If they are exposed to outside a thief can remove the pins and swing the door open despite you locks. The hinges need to be concealed or be on the inside, and the screws holding them should be long and in firm wood. If they are not, pressure from a small crowbar can easily separate the hinges from the doorframe.

It is recommended that you have at least two locks on a door. The more difficult you can make things for a thief the better chance you have of discouraging him so he will go elsewhere. A burglar does not like being delayed very long, as these increases the chances of being seen.

Safeguard your windows

Are the windows of your home able to keep out a burglar? Are they always locked when you go away? But even locked window may not be very secure. One having upper and lower sections that move, usually has a lock that swings into position to hold the two closed, but a knife blade inserted between them can oftentimes swing the lock around to the open position.

Furthermore a burglar may choose to break a window so he can reach in and undo the lock. He has ways of doing this with very little noise.  A window lock that requires a key to unlock it or strong bars (grills) can prevent the burglar from having easy access to your home. The window may also be secured in manner that it can open a few inches to let in air, but cannot open farther to allow the burglar to crawl in.

When a door has small windows a thief can break one and reach in to unlock the door. Tempered glass can be used in such plane so they cannot be easily broken or a lock might be installed that requires a key to open it from inside as well as outside.

Safeguard your keys

If the burglar finds the door to your home locked, he will probably look for the door key in the traditional hiding places, such as the ledges over or near the door, under the welcome mat and in the mailbox.

If you have the practice of hiding a key in these places, you make it easy for the burglar to rob you. However, a burglar will be wasting his valuable time searching for the keys if it is not kept in the usual hiding places.

What if a member of the family loses his or her house key or if it is stolen when a purse is snatched? There is no difficulty in having a duplicate key made, but remember that a thief may now be having a key to your home and can get in whenever he pleases. It would be more wise to get the tumbler units in your locks changed promptly so different keys are needed to open them.

This might also be applicable whenever a person moves into another apartment or house that someone else had occupied. It may be the only way to be certain that no one else has a key to it.

A woman can avoid the risk of losing her key by carrying it in a small pocket that in her coat or dress. The pocket can be closed by a zipper or snap. Then if her pulse is stolen the thief will not get her house key.

When away

Instead of advertising that no one is home by turning out all the lights when you go out, leave one on in the bathroom with the door open a crack so it spills into the hall. Even if no one answers the doorbell, a burglar cannot be certain that no one is in the bathroom. Leaving a light on in a room where a burglar can look will not be effective, as he can see that no one is there.

If the lights continue burning during the daytime, it will be obvious that no one is as at home. Here a timer is very useful when you go out for a few days. It can be set to turn a light on and off at certain times. The radio can be also used using the same principal.

Permitting newspapers, bottle of milk and mail to accumulate while you are away on a vacation is an invitation to burglars to help themselves to your possessions. Your absence is also indicated by an uncut lawn and an accumulation of advertising matter at the front door as well as windblown trash in front of the garage door.

When one burglar found a note telling the milkman to discontinue milk deliveries because the family would be away for two weeks, he was able to clean out all the valuables in the house at his leisure. He even sold the furniture to a furniture company.

When a neighbor came over to see what was going on when the furniture was being moved out, the burglar pretended to be a nephew of the family and claimed that they decided to move to another town. The neighbor was not suspicious, because the family had not told her of their plans.

This demonstrates why it is wise to let your neighbors know where you are going and how long you intend to be away. They are probably your best protection against burglary. In area where burglary is rampant a dog can also be helpful by drawing attention to a prowler.

When to do if burglarized

Supposed you return home and find it broken into. What should you do? It is not wise to rush into as the burglar may be still in the house and you could put yourself in jeopardy. Remember he is a criminal and can be very dangerous, especially when cornered. It is prudent to call the police and await their arrival before entering the house.

It may be that a thief will enter one’s home at night while one is sleeping. Instead of grasping a club or other weapons to confront the burglar, it is better to call police. Sometimes if one turns on a light, alarm or makes some noise the burglar may flee. But if he does not or armed with a gun, then it more prudent to comply with his demands and give what he wants. Life is far more valuable than the money and jewels that the burglar wants.


There undoubtedly are weak spots in your house that are inviting to a burglar. Find them and strengthen them. To safeguard your possessions it is only sensible to lock all the outside doors when you leave the house. Locks of good quality on the doors and on the windows will give you good protection. By doing everything possible to make it difficult for burglars to get into your home, you have a better chance of keeping the things you have.

A picture of an example of a budget.

Big misconception about a budget

There is usually a big misconception about a budget. Some feel that it is too tedious to live by a budget and that it stifles joy in living. The trouble usually lies in the fact that they do not know what a budget is. They think it is a mere money record keeping. Not at all!

Some people do keep track of every cent they spend, only to find that they still cannot make ends meet. But they are not budgeting. A budget is essentially a matter of planning, not just record keeping. It is a plan for distributing income so as to give you and every member of you the utmost satisfaction from money spent. It tells you where your money should go instead of wondering where it went. It is a device to help you fit your spending to your life’s goal and purpose.

Little wonder a budget has been compared to a dam. A dam holds back the undirected flow of stream in order to turn the waters into channels that supply power generators, so that electric current may be provided now here, now there, as needs arise.

Since a budget does the same thing with flow of income as a dam does with the incoming waters, you ought to find it far more interesting than spending money impulsively. It safeguards you from the loss of joy caused by financial crisis. There tends to be apprehension rather than joy when there is no money for things really needed.

Besides, providing for one’s needs, financial planning also may make luxuries attainable without the unpleasant feeling that they cannot be afforded.

Neither extravagant or miserliness

A budget copes with both of these problems. It should steer one safely from between the whirlpool of extravagant spending and the rock of miserly grasp.

A budget helps eliminate wasteful spending. It shows you leaks through which too much of your income is draining without significant returns to you. When leaks of extravagance are identified, one can plug them and divert the streams of cash to something that is truly wanted.

If one depends on impulse buying, one might spend so much money extravagantly that he or she lacks basic needs. With so much credit buying today one can easily go hopelessly bankrupt. A budget enables a person in debit to pay off his debts from regular income and remedy the situation of borrowing money at high interest rates, which in many instances is flagrant extravagance.

A budget, on the other hand, need not make one a miser and a self-centered person. No, a budget should be designed to take into account the need for entertainment and showing of hospitality.

Cooperation needed

To get the full benefits of a budget, if the budget is for a family rather than an individual there must be cooperation. Husband and wife must work together. The wife may be a good financial manager and the husband may turn over to her some responsibility, but the entire load should not rest on one person.

Under the budget system the children can receive their allowances in harmony with the family income and child’s needs. The children should be told what this allowance is intended to cover and in the course of time be taught the value of drawing up a budget. Thus the children, by getting financial training early in life, they will be able to avoid being extravagant in their own spending.

In these days of rising prices, inflation, it is practical for the family to have a budget. Hence, family members need to develop the right viewpoint about the family budget. The family members should not be demanding things and insisting on their own ways. They should be careful to spend their money for necessities first, not for their own luxuries. With this spirit all members will exercise care to live within the family total income, thus avoid the family going into unnecessary debt.

Use a system you can understand

One easy approach to budgeting is to purchase a budget booklet. These are available in many stores. But usually a ready-made budget booklet requires more record keeping than is necessary. Hence, it would be better to make up your own budget plans merely using sample budget book as source of ideas rather than as final tool to be used from beginning to end.

Tailor the budget to your needs or the needs of your family, not someone else’s family. If it is kept simple, it will not be necessary to spend more time than a minute or two to make records of expenses. You may avoid keeping records of small expenses by making a personal allowance to each member of the family. No accounting for the use of this allowance is called for, though the individual may wish to keep a personal budget.

There are a number of simplified versions of the budget. For example, the envelope system can be very useful if having a banking account is not feasible. Each envelope is marked for the purpose it represents, such as “rent”, “food”, “transport” and so forth. Every pay day the income is distributed among the envelope so that when bills come due the money will be there.

As one spends, no record is kept of expenditures. When a small balance is left in an envelope, it may be transferred to a savings envelop or it may be retained for the next month’s use. If one envelop is consistently exhausted before the end of a period (say the food envelope), you can either draw from the savings envelop, or if you think food costs have been larger than they should be, you might try to reduce them by careful shopping.

The envelop system as the advantages of simplicity, but one must firmly resist the temptation to borrow from another envelop when convenience so urges. This will only upset the budget. Furthermore, you may choose to it only for some important categories of expenditures, such as food rather than for all categories.

Thus you may combine features of the envelope system with the checking account system. This will enable you to keep small amounts in envelopes and the rest of the money in the bank. The envelopes representing larger expenses might contain only a card on which is recorded how much money is in the bank and allotted to that category of expenses.

The simplified systems, though not as comprehensive as a budget book, they may still go far towards a budgetary goal of freedom from financial tension. So devise a simplified system that best fits your circumstance.


The word “budget” is anathema to many people, especially debtors who prefer to shun reality. It is easy for one to mistakenly attribute financial woes to a short of funds. But the reality is that no matter how much you earn, it will never have enough. The best way to solve to money problems is to have a budget. So you do well to give thought to planning a budget.

Whatever system you use, remember what a budget is. It is a plan for spending, not simply a record of expense. Planning a budget will tell your money where to go and enable you to live more in harmony with your life goals.

Please enter your email address here if you want subscribe by email:

Delivered by FeedBurner