Dan Constantinescu

Mel Rees, a contemporary Christian author, observed that “money [...] is life [...] in a tangible form.” He reasoned that life is “an expenditure of time and talent,” while money is “the result of the use of time and talent.”

From government officials to leaders of large corporations and from heads of public institutions to small private entrepreneurs, using the revenue and expenditure budget has become a common practice. The question we will try to answer in this article is whether and in what way this financial instrument finds its utility in the family space as well. How do you build a family...

In order to obtain money, along with the facilities offered by specialised institutions (banks, credit unions, mutual assistance services), many people resort to a series of ad-hoc financial relations, known as “personal loans”.