These budget spreadsheets and financial statement templates are specifically designed to help you meet the challenge of rising prices through their unique budget planner and budget forecasting innovation.

I don’t know how old you are, but I remember the days when gasoline was only $.29 USD a gallon! I’m not that old, so that wasn’t so long ago. Now, we’re lucky to buy gasoline (in the USA) for less than $2.50 USD. What happen? Why such a large price increase in such a relatively short period of time? And this price inflation has happen in all our other household finances too, including: rent, clothing, food, a cup of coffee, and even a McDonald’s hamburger! Yet, have our wages increased to the same degree? Not! So, our personal standard of living is slowly (and even quickly) being eroded by this insidious and subtle tax (otherwise known as inflation).

These budget spreadsheets, including household budgets and other financial statement templates for business - can function as one of your happy frugal living tools to help you effectively fight against this gradual “war on wages”. That’s right. In these price inflationary times, to keep pace with inflation, we need more effective budget spreadsheet planning tools.

There are many budget planner “fighting fronts” these budget worksheets will assist you in increasing the profitability and financial security of your household or small business. One such “front” is to promote and continuously suggest to you, by way of the design of the budget spreadsheet itself, to not rely on income from just a job. Therefore, the income section of the household budgets track and graph multiple income streams for your household. This includes income from: business assets, passive income (such as from real estate), portfolio income, and interest income from savings. These income streams are taxed much less than wages or earned income. Taxes are our highest “bill”! Also, wouldn’t you prefer to have your long term household financial security depend upon multiple streams of income, as opposed to just one source - your job? And, with global competition, how secure is any job these days? Don't wait. Buy one of these budget spreadsheets to assist you in multiplying your income streams for greater household (and small business) financial security and profitability.

Another major budget planner “front” these budget spreadsheets will help you in winning this slow “war on wages” are their innovative and utterly unique money boosting cash flow management and budget forecasting ability. Let me ask you a serious budget spreadsheet planning question:

And, another important point is that unless you are naturally inclined, (or highly motivated), to frugal living, most people don’t want to, and most people will not, continuously spend a lot of time and effort managing finances using budget spreadsheets or software. For most of us, doing household budgeting or frugal living (in the usual way) is not fun. Is this true of you? Unless you have accepted the discipline of frugal living, do you really want to spend a lot of time and effort keeping home budgeting track of household finances using budget spreadsheets? Keeping track of your spending in order to get control over your money is the standard model of virtually all budget worksheets and household budgeting software. That typical budget planner model inadvertently puts expenses in the senior position to your household finances - with the added disadvantage of no cash flow management and budget forecasting capability. Therefore, this all too common "budget planner" or budget spreadsheet model can put you under the persistent stress and worry of trying to deal with your out of control expenses, right? Well, as an alternative, use this budget forecasting and cash flow management budget worksheet model instead, to regain budget planning control of both your cash inflows and cash outflows.