"The average family exists merely on paper and its average budget is a fiction, invented by statisticians for the convenience of statisticians." Unlike the quote given above, seemingly reflective of general point of view on family budgets today, we will attempt to take a much more positive approach to budgeting, as a family oriented, individual-friendly, financial management and planning tool and life-enabler. However, when reflecting on family budgeting and inquiring as to why not more families are in reality using it, it metamorphoses self-evident that similar skepticism runs rampant and deep in reality and society, still globally so. Once you start probing family budgets, expending time and energy researching the subject in-depth, it metamorphoses quite clear, that most families are captured in a vicious, nearly never-ending cycle of “What sees in must go out.” Most families could feel that budgeting is a futile effort, unnecessarily burdening them with thoughts and ways, to go broke methodically and slowly, without the creature comforts and indulgences of our human modern-day society. Others could voice that they feel as if they are simply throwing income back, in a never-ending and dizzying spiral of spend, spend, spend. People are getting deeper and deeper into debt, no matter how hard they try to get out of it. Questions are then raised : How do we stop these courses of action? How do we differentiate the thinking around family fiscal discipline?