SPENDING FOR HAPPINESS

Based on extensive consultant experience, this is a book on money management which follows no set standards but tries to indicate where your money goes, what it gets you, and how it may be getting away from you. In an analysis of spending patterns which are keyed at lower income levels chiefly, you will be able to determine certain fixed factors in the family economy; your home or rental; the operation of your house; food; clothes, savings and insurance; health; church and charity; gifts; education; furniture; pleasure; allowances; etc. The balance here is sensible rather than severe- the intention to enable you to know what you want most for the money you have to spend, but not to spend beyond your means. And the breakdown- percentage-wise- of approximate demands upon your income will give this a specific value for home use.