A personal finance budget is a little different then the monthly budget you keep for tracing income and expenses. A finance budget tracks more then just monthly income and expenditures; it includes information about investments and retirement accounts. In other words it is more concerned with your long term financial future rather then the finances of daily life.

The approach to doing a financial budget is a little different then the personal variety. If you are a good mathematician or good at accounting then you can keep track of your financials on a piece of paper or a spread sheet  

As reported in The Working Capital Journal, traditional working capital loans are currently available from a shrinking number of commercial banks. Most of these business lenders are not among the relatively small group of larger banks which have received bailout funds. Small business owners should familiarize themselves about which commercial lenders are still actively providing this kind of business finance funding.

In most cases the active commercial lenders for this specialized form of commercial funding are limiting working capital loans to businesses which are current in their debt payments and are showing a net profit (based on recent financial statements).