LibGuides: Financial Literacy: Budgeting

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Budgeting

Budgeting is more than being able to add and subtract numbers. It is about being able to look ahead into ones financial future and make smart decision about where money will go from each paycheck. The ultimate goal of budgeting is to meet immediate needs while delaying gratification for financial security down the road.

The resources on the right are arranged by type: Books, eBooks, articles, library videos, internet videos, and websites. They all relate to budgeting in some way, though they may contain other financial literacy topics as well.

Budgeting Resources

100% financial literacy success by Wilson G.
Call Number: HG179 .W53518 2014
ISBN: 9781435462212
Wadsworth Cengage Learning
Financial fresh start: Your five-step plan for adapting and prospering in the new economy by Olefson, Shari B., 1963-
Call Number: HG179.O44 2013
ISBN: 9780814432297
American Management Association
Happy money : the science of smarter spending by Dunn, E.
Call Number: HG179 .D8587 2014
ISBN: 9781451665079
Simon & Schuster
Household spending : who spends how much on what by New Strategist Publications
Call Number: HC110.C6 H68 2013
ISBN: 9781940308067
New Strategist Press, LLC

Master your finances : The art of building wealth by Marwisa, C.
Publication Date: 2017
ProQuest Ebook Central
Money with Jess: Your ultimate guide to household budgeting by Irvine, J.
ISBN: 9780730398233
Publication Date: 2022
ProQuest Ebook Central

Budget depreciation: When budgeting early increases spending by Choe, Y.; et. al.
The Journal of consumer research, (2021), 47 (6), 937-958
Digitization of the budgeting process: Determinants of the use of business analytics and its effect on satisfaction with the budgeting process by Bergmann, M.; et. al.
Journal of management control, (2020), 31 (1-2), 25-54
Divergent effects of budgeting for gifts versus personal purchases by Choe, Y.; et. al.
The Journal of consumer research, (2023), 50 (3), 576-596
The influence of budgets on consumer spending by Lukas, M.F.; Kalra, A.; et. al.
The Journal of consumer research, (2023), 49 (5), 697-720
Priority‐based budgeting: An honest broker among municipal functions? by Mitchell, D.
Public budgeting & finance, (2023), 43 (1), 21-37
Reconciliation of budgeting and accounting by van Schaik, F. D. J.
Public money & management, (2023), 43 (5), 473-482

Budgeting and financial decision making
Films on Demand (36 min)
This program gives students a solid grounding in a variety of real-life money matters: it provides financial decision-making methods, advises on consumer concerns such as buying versus renting, outlines insurance types and terminology, and discusses the financial scams that students are most likely to encounter.
Budgeting basics
Alexander Street Video (18 min)
Along with Rachel, your students will learn how to prepare a basic household budget; why setting goals is a part of financial planning; the importance of keeping track of one’s spending; how to organize household money matters; ways to audit spending habits and discover expensive 'blind spots;' simple lifestyle changes that can help save money; and how to put all the pieces together in a budget that meets your goals.
Managing your money
Films on Demand (23 min)
Money management is the key to independent living. This video puts money under a microscope as it looks at budgeting it, spending it wisely, and protecting it (and, by extension, that all-important credit rating). Specifics include opening a checking account, writing checks, making deposits, and balancing a checkbook; using ATM and debit cards; applying for a loan; and deciding whether to opt for a credit card—and if so, how to use it responsibly.
Money smart
Alexander Street Video (23 min)
Make “cents" of your finances! How do you manage money and what do you need to know to get a financial advantage? Make dollars and cents of your money now so you build financial security for your future starting today. Money Smart teaches financial literacy and features financial and business professionals sharing their knowledge and insight into all aspects of money to impart to viewers what they need to know about their finances through short segments.
A student's guide to personal financial success: Understanding budgets
Alexander Street Video (17 min)
This video reviews the basics in money management skills in order to build a solid financial foundation for college years and beyond. Topics include how to set up a budget, discretionary vs. nondiscretionary spending, and savings.

12 steps for how to make a budget – personal budgeting tips for first-timers
(Money Crashers) Developing a budget you can maintain over the long term has been definitively linked to building wealth, while simultaneously helping you get out of debt and cut expenses.
Creating a budget
(Bank of America) Whether you’re looking to create a personal budget spreadsheet or just get a better grasp on money management, start with these six steps.
How to make a monthly budget that works
(Dave Ramsey) Doing a budget is simply telling your money where to go.
Make a personal budget in 6 steps
(The Balance) If you're hoping to gain more control over spending and begin working towards your financial goals, you need a budget.

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Kyle Williams

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Financial Literacy: Budgeting

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Budgeting

Budgeting Resources

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