You consistently charge more each month than you make in payments. You are working overtime to keep up with your credit card payments. You don't know how much you owe and really don't want to find out. You have received phone calls or letters about delinquent bill payments. Your credit cards are no longer used for the sake of convenience, but because you don't have money. This annual budget is mostly projected on a quarterly basis, with each quarter detailed in months and/or weeks. It is also possible to do budgets good for two to five years. Anything beyond five years generally is impractical because of the possible change in economy in that time span. There are many benefits of business budgeting. In effect, they are dollars-and-cents representations of plans for the production of meaningful results during the upcoming year or period of time. A budget keeps track of money coming in and money going out. Most often than not, people pay utility bills and buy luxurious items before they a realization that there is no room to save money for other necessary expenses anymore. Careful budgeting and planning will help you determine which is right for you. There are many forms of investments out there. To avoid great loses in investment, refrain from investing in businesses or the stock market if you don't have a financial analyst. Just invest slowly and choose investments that are, although have small returns, sure to yield results such as real estate, security bonds or treasury bills, and insurance plans. With these tips of family budgeting in mind and in motion, you will be able to finally reward yourself. You can allow yourself a reward that fits the budget, whether it's a trip to Hawaii, a day at the spa, or a nice dinner with your partner. After all that hard work, you deserve to enjoy the fruits of your labors. Without it, many basic things cannot be done. Personal budgeting could make some things possible even with a short supply of water. You can ration your little supply of water efficiently. The water you have used in taking a bath can still be used for the cleaning the bathroom or for washing and brushing the dirt off your shoes.