A premium subscription is required to access this article. Article Date: 06/04/2018 Budget? Who Needs A Budget? It would be difficult to argue against the value of having a family budget. The process of determining a family’s income and expenditures, measuring the family needs versus the family desires, making a plan to save money for a later date, all sound like wise financial moves.So why do so few ... Log in to view full article. If you already have a subscription, please log in with your email address and password. User Name (Email Address): Password: Forgot your password? Click here to have your password emailed to you. To purchase a premium subscription, please use the links below. One-year premium subscription with unlimited access to all articles including reprint rights (see terms and conditions) for $2,000.00. Monthly subscription (3 month minimum) with unlimited access to all articles including reprint rights (see terms and conditions) for $195/mo. CLICK TO VIEW Terms and Conditions I ACCEPT You must accept the 'Terms and Conditions' before purchasing this product.