In these times of economic hardship it is particularly important to hold onto your money and stretch your dollars as far as they will go. For the householder with a family to consider budgeting is a must. The budgeting method I found that works best for me is zero-base budgeting. This method is the way I have run my personal finances all my adult life and it works really well.
I first heard about this method when Jimmy Carter was president of the United States in the late 1970s. This is the type of budgeting he employed to balance the budget in Georgia when he was governor of that state and he also used it in the federal budgeting process once in the White House. Carter got the idea from Peter Phyrr, a manager at Texas Instruments, who originally came up with the idea of zero-base budgeting. Zero based budgeting was eliminated in the federal budgeting process in 1981, but elements remained in place throughout the Reagan, Bush, and Clinton administrations.
When I was a manager in industry we also employed a type of zero-base budgeting, even though I had a traditional type of budget to work with. Money was so tight that we had to justify every dollar spent whether it was budgeted or not. If one department needed to spend some money on a piece of equipment, for example, the other departments were expected to help them out by not spending even if they had money to spend.
The way zero-base budgeting works is that every item in the budget must be justified before an expenditure is made. The budget starts with zero dollars. Every item of income is accounted for and budgeted. Any money spent must be balanced by money not spent in other places. This might be what is called in in the modern lexicon, “paid for.”
The term zero-based budgeting differs in its meaning to different people. Some experts say that there should be zero difference between your income and your expenses each month. In this methodology, the individual starts with a blank page and lists all sources of income on one side and all their expenses on the other. A spread sheet is also helpful for this exercise. This will help you control every dollar earned and every dollar spent. From there you look at ways to reduce unnecessary or excessive spending such as eating out or buying clothes.
The way I do it is a little less formal. I have it fixed in my head how much money I have to spend and I don’t spend a dime more than is necessary I justify every single expenditure. This method has served me well over the years and has allowed me to remain solvent even through the tough times.

Homage to Catalonia, written by George Orwell, is one of the most important documents of its kind.  It is about a period of time Orwell spent fighting in Spain during the Spanish Civil War. While there, he was almost fatally wounded by taking a bullet to the throat. This event, while quite painful, did little to dampen his voice. He was told he would never talk again, but little by little, he regained his ability to speak. The doctors said he was quite lucky to have survived his wound. Orwell couldn’t help but thinking that if he had been truly lucky, he would not have been shot at all. Orwell prefaced his description of his ordeal stating, “The whole experience of being hit by a bullet is very interesting and I think it is worth describing in detail.”   

The Spanish Civil War was one of the most decisive events of the 20th century. While the memory of this event fades into the background, reading this book brings it vividly back to life. One is transported in time immediately back to the trenches of the battlefields with their stench of human waste and long periods of boredom and sudden periods of danger and to the turbulent streets of Barcelona where rival factions fought each other for control of the Telephone Exchange Building. The importance of such a record would be difficult to overstate.

As one reads the record of the events taking place in Spain, taken from Orwell’s direct experience, one cannot escape noticing the similarity to events taking place in America today in the 21st century. As Lionel Trilling indicated in his excellent introduction to the book, Homage to Catalonia is a testimony to the nature of modern political life. He observes that politics is a relatively new thing in the world, and we do not yet know very much about it. That is hard to understand nowadays, given the 24 hour news cycle and the complete immersion of politics on the cable news television stations. Ideas play a large role in politics and have great power. These ideas are directly connected to another kind of power that is described in the book: the power of force.

In 1937, Orwell went to Spain to observe the civil war and to write about it. When he arrived in Barcelona, he got so caught up in the revolutionary furor that he decided to stay and fight. He joined the militia as private. The militia unit he joined by chance was a unit known as POUM (Party of Marxist Unification). The Spanish Civil war was a fight in defense of democracy against the Fascist enemy led by its chief proponent, Generalissimo Franco.    

There were many rival factions taking up the fight against the Fascists: POUM, communists, Trotskyites, and anarchists. We see some of these same echoes today in the Occupy Wall Street Movement. There are many and various factions protesting the inequality of the 1% of the wealthiest Americans versus the 99% of the rest. These inequalities have brought great unrest to our country along with high unemployment, economic hardship, and social injustice. The militaristic mien of the jackbooted SWAT Teams breaking up the demonstrators in Oakland, Boston, and New York are reminiscent of Franco’s fascist brigades.

When Orwell first arrived in Barcelona, outward appearances revealed it to be a town where the wealthy classes had practically ceased to exist. Nobody said, “Senor” or “Don” anymore, but rather, “comrade.” Practically everyone wore rough working class clothes. Orwell recognized it immediately as situation worth fighting for.  It was a worker’s state where the entire bourgeoisie had either left, been killed, or came over to the worker’s side. There was no unemployment and the cost of living was extremely low. Human beings were trying to behave as human beings and not as cogs in the capitalist machine. In barber shops (all barbers were anarchists) there were notices that barbers were no longer slaves. Orwell said, “A fat man eating quail while children are begging is a disgusting sight. But you are less likely to see it when you are within sight of guns.”   

Orwell was quickly sent to the front to fight in the trenches. In trench warfare, according to him, five things are of paramount importance: firewood, food, tobacco, candles, and the enemy, in that order. The real preoccupation with both armies was trying to keep warm. Firewood was the only thing that really mattered. The trenches were more than 500 yards apart and in those circumstances no one gets hit except by accident. He describes a particular experience that eerily presages passages from 1984:  “In the barn where we waited the place was alive with rats. They came swarming out of the ground on every side. If there is anything I hate more than another, it is a rat running over me in the darkness.” This articular horror is to found behind the doors of room 101.

In another scene, Orwell described a maneuver where he and his fellow soldiers were to attack a fascist position at night. The ground was muddy and wet and he was sodden from head to foot and was weighted down with a heavy rifle and bayonet and 150 cartridges. The patrol was successful in overrunning the enemy redoubt and had the fascists on the run. Suddenly the command to retire came. As Orwell and his men left the parapet and headed back across the 200 yards to their own parapet the fascists reappeared and began to attack the patrol.  He had thought earlier that he could not run being as laden down as he was, but, “I learned you can always run when you think you have 50 armed men after you.”

Barcelona is a town with a long history of street fighting.  While on leave in Barcelona after serving three and one half months at the front, the last thing Orwell wanted was to be mixed up in some meaningless street fight. To be  marching up the street behind red flags inscribed with elevating slogans, and then be bumped off from an upper window by some total stranger with a sub-machine gun- that was not his idea of a useful way to die.

When Orwell saw an actual flesh and blood worker in conflict with his natural enemy, the policeman, he did not have to ask himself which side he was on. Completely innocent people were being arrested owing to police bungling. He reached the point that every time a door banged he reached for his pistol.      

Foreign journalists in Spain were hopelessly at the mercy of the Ministry of Propaganda, though one would think that the very name of this ministry would be a sufficient warning.  Watching a fat Russian agent explaining that a particular event   was an anarchist plot was the first time Orwell, according to his account, had seen a person whose profession was telling lies, unless of course, one counts journalists. One is reminded again of today’s Fox News which studies have shown its viewers to be the most uniformed. Its entertainers, posing as newscasters, have a way of stating their biased opinions as fact.

The fighting began on July 18, 1936. Most anti-fascists in Europe felt a “thrill” of hope. Here at last was democracy standing up to Fascism. For years, the so called democratic countries had been surrendering to Fascism: The Japanese, Hitler, and Mussolini. When Franco tried to overthrow the center left government in Spain, the Spanish people rose up against him. Franco was not really comparable to Hitler or Mussolini. His rising was a military mutiny backed by the aristocracy and the Church.  It was an attempt not so much to install fascism but to restore feudalism. The Spanish working class resisted by revolt. Land was seized by the peasants and factories were seized by trade unions. Churches were destroyed and priests were driven out or killed. In certain areas of revolt as many as three thousand people died on the streets in a single day. Men and women armed with sticks of dynamite rushed across open squares and stormed stone buildings held by soldiers with machine guns. Anarchists and socialists were the backbone of the movement. The entire issue had been reduced to Fascism versus democracy.

The war, in which Orwell claims to have played so ineffectual a part, left him with memories that were mostly evil, and yet he did not wish that he had missed it. The whole experience left him with not less, but more belief in the decency of human beings

http://voices.yahoo.com/my-soul-she-shrieks-12628582.html?cat=42

“The Swerve: How the World Became Modern” by Stephen Greenblatt is a book that holds special significance for me. It is a book about a book hunter who lived in the 15th century, Poggio Bracciolini. It resonates with me because I too am book hunter.
I know how Poggio Bracciolini must have felt when he came across a dusty scroll hidden away in the library of the Benedictine Abbey of Fulda in Germany. This scroll was one of the few remaining copies extant in the world and the only copy that had surfaced to that point. It consisted of an important poem, “On the Nature of Things,” written by Lucretius in 50 BCE. This book would change the course of human events.
“On the Nature of Things” is a poem about the philosophy of Epicurus. Epicurus, a Greek philosopher living in Athens in the third century B.C.E, was a proponent of the theory of atomism. This theory rests on the idea that the basic building blocks of matter are tiny invisible particles called atoms. Epicurus was also a proponent of the pleasure principle. He believed one’s primary aim in life should be enhancing one’s pleasure and avoiding pain. The pursuit of happiness should be the goal of life. Liberated from superstition, you would be free to pursue pleasure. Peace of mind is the key to enduring pleasure. The Church of the 15th century however, thought otherwise. “On the Nature of Things” was considered to be a radical and dangerous document.
“The Swerve: How the World Became Modern,” is a book about books. Greenblatt goes into the history of writing books and bookmaking, libraries, and book storage. He discusses the readers of books and the owners of books from antiquity. He describes these readers to be few in number and usually the wealthy elite. They were a cultivated society of men and women whose homes had rooms designated solely for the purpose of reading books.
“The Swerve” is also a history of the times in which Poggio lived. He lived in Florence during the 15th century. He became secretary to Pope John XXIII. These were wild times for the Church. There were actually three Popes at the time all claiming legitimacy. Pope John XXIII (Baldassare Cossa) was eventually deposed after being accused of simony, sodomy, rape, incest, torture, and murder.
After the Pope was deposed and imprisoned, Poggio unemployed, considered himself to be free. Free to hunt books. Free to read and free from all cares and worries of worldly affairs. He withdrew into the quarters of his private library in his castle. Books delighted him. According to Poggio, time spent with books takes our minds away from our troubles.
The most important impact the book had for me was to answer two burning questions: Is the world determined? And, do we have free will?
Determinism conflicts with the doctrine of free will. Lucretius suggests that atoms tend to swerve randomly (Clinamen). When atoms fall straight down through space they deflect a bit here and there, at uncertain times and places, slightly changing their motion. This swerving action creates the free will that we all take advantage of in our daily lives and allows us to have purpose.
The other important legacy Lucretius leaves us with is the idea that the highest goal of life is the enhancement of pleasure and the reduction of pain. Life should be all about the pursuit of happiness.
We find the echoes of these ideas in our own Declaration of Independence, written by Thomas Jefferson in 1776. In it he declared man’s right to life, freedom, and also to “the pursuit of happiness.” Jefferson owned many editions of “On the Nature of Things in various translations. It was one of his favorite books.

Dear Venus
Don’t tame my spirit
Come to me like before
When my lover left
Come now
And help me be calm.