Finding it difficult to believe that your "home budget" is based on earning "more money". I should have thought it more likely that you work within what you actually earn? Surely this is the basis of good management? A controlled budget spending only what is earned eliminates a whole area of stress and allows one to concentrate on doing the best with what is available. From that basis it is possible to consider borrowing for specific purposes. The problem the Govt has is that as a nation we have abused our 'wealth' with far to much waste and excess and borrowed as if there were no tomorrow. All this has to be pulled back. Only when there is proper control can it be possible to find funds for 'growth' projects. eg: in your 'home budget' if your credit cards are 'maxed' you wouldn't consider borrowing to buy a conservatory on to make your house a little larger.
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