HOFFMAN, Presiding Judge.
Edwin W. Blinn appeals his conviction for battery, a class B misdemeanor. 1 Appellant primarily contends that he was denied his constitutional right to assistance of counsel. 2
The record reveals that when appellant was arraigned on October 2, 1981, he was advised in part as follows:
"You have the right to be represented by a lawyer and have the case against you continued or postponed for a reasonable time to obtain the services of a lawyer or otherwise prepare your defense. If you cannot afford a lawyer and you request, the Court may appoint one for you at public expense." Record at 13.
Appellant subsequently entered a plea of not guilty, but did not request court-appointed counsel. Appellant did, however, claim that he did not have enough money to post his bond. Trial was then set for October 29, 1981.
On October 15, 1981, appellant filed pro se a motion for change of venue which was denied. The trial court also gave notice to appellant that trial would proceed on the scheduled date. 3 At trial on October 29
1981, the following exchange took place prior to the presentation of the State's case:
"BY MR. BLINN: Your Honor, I would like to approach the bench.
"BY THE COURT: Alright [sic]. You may do so.
"BY MR. BLINN: Since this here charge has been changed and it has only been two days since I found out there was even any witnesses or time for discovery in this matter, I would like to ask for a continuance so I could get some counsel, and I have checked on some counsel, and the only available is way out of my price range. And I am asking for the county to furnish me with a lawyer.
"BY THE COURT: Okay. I'll show those on the record. I will deny the motion for continuance as well as the motion for pauper counsel. You may have a seat." Record at 39.
Appellant thereafter chose not to cross-examine witnesses or present a defense, stating that he felt unable to do so without court-appointed counsel. The trial court then found appellant guilty as charged.
In Moore v. State (1980), Ind., 401 N.E.2d 676, at 678-679, Justice Hunter noted that:
"There is no doubt that we are dealing here with one of the most fundamental of our constitutional guarantees. A defendant charged with a crime is guaranteed the right to be represented by counsel by Article 1, Section 13 of the Indiana Constitution and the Sixth and Fourteenth Amendments to the Constitution of the United States. State v. Minton, (1955) 234 Ind. 578, 130 N.E.2d 226; Wilson v. State, (1943) 222 Ind. 63, 51 N.E.2d 848. A failure to permit a defendant to have counsel amounts to a denial of due process, and there can be no valid criminal trial unless a defendant is represented by counsel if he desires counsel. Fitzgerald v. State, (1970) 254 Ind. 39, 257 N.E.2d 305; State v. Minton, supra; DeFrisco v. State, (1972) 153 Ind.App. 609, 288 N.E.2d 576.
"The guarantee of the right to be represented by counsel includes the right for an indigent defendant in a criminal prosecution to have counsel provided for him at state expense. Pallett v. State, (1978) Ind. , 381 N.E.2d 452; Swinehart v. State, (1978) Ind. , 376 N.E.2d 486. It is a judicial function to determine whether counsel shall be appointed at public expense, Fulks v. State, (1970) 255 Ind. 81, 262 N.E.2d 651, and this determination is within the sound discretion of the trial judge. Hendryx v. State, (1892) 130 Ind. 265, 29 N.E. 1131. While it is not possible to set specific monetary guidelines which would determine a defendant's indigency, there are several factors which must be considered. Since we are dealing with such a fundamental constitutional right, the record in each case must show that careful consideration commensurate with the right at stake has been given to the defendant. Although we find no Indiana cases which discuss what specific factors must be considered, these factors have been discussed by courts in other jurisdictions. See, Annot., 51 A.L.R.3d 1108 (1973).
"First, it appears clear that the defendant does not have to be totally without means to be entitled to counsel. If he legitimately lacks the financial resources to employ an attorney, without imposing substantial hardship on himself or his family, the court must appoint counsel to defend him. Anaya v. Baker, (10th Cir. 1970) 427 F.2d 73; United States v. Cohen, (8th Cir. 1969) 419 F.2d 1124; State ex rel. Partain v. Oakley, (1976) W.Va., 227 S.E.2d 314; In re Smiley, (1967) 66 Cal.2d 606, 58 Cal.Rptr. 579, 427 P.2d 179. See also, Hardy v. United States, (1964) 375 U.S. 277, 84 S.Ct. 424, 11 L.Ed.2d 331; American Bar Association Project on Minimum Standards for Criminal Justice, Approved Draft (1968), Standards Relating to Providing Defense Services Sec. 6.1.
"The determination as to the defendant's indigency is not to be made on a superficial examination of income and ownership of property but must be based on as thorough an examination of the defendant's total financial picture as is practical. The record must show that the determination of ability to pay includes a balancing of assets against liabilities and a consideration of the amount of the defendant's disposable income or other resources reasonably available to him after the payment of his fixed or certain obligations. People v. Castile, (1979) 71 Ill.App.3d 728, 28 Ill.Dec. 259, 390 N.E.2d 426; Minniefield v. State, (1972) 47 Ala.App. 699, 260 So.2d 607; Morgan v. Rhay, (1970) 78 Wash.2d 116, 470 P.2d 180. The fact that the defendant was able to post a bond is not determinative of his nonindigency but is only a factor to be considered. People v. Castile, supra; Perryman v. State, (Tex.Crim.App.1975) 519 S.W.2d 438. The court's duty to appoint competent counsel arises at any stage of the proceedings when the defendant's indigency causes him to be without the assistance of counsel. State ex rel. Grecco v. Allen Circuit Court, (1958) 238 Ind. 571, 153 N.E.2d 914; State ex rel. Shorter v. Allen Superior Court, (1973) 155 Ind.App. 269, 292 N.E.2d 286."
In Mitchell v. State (1981), Ind.App., 417 N.E.2d 364, at 369, Judge Neal further added that:
"The second aspect of the problem is presented when a criminal defendant elects to waive his right to counsel and represent himself in the proceedings. When he so chooses, the waiver of the right to the assistance of counsel must be shown to have been voluntarily made. Johnson v. Zerbst, (1938) 304 U.S. 458, 58 S.Ct. 1019, 82 L.Ed. 1461. It is the duty of the trial court to establish a record which shows that an accused who has elected to waive counsel and proceed pro se has done so voluntarily, knowingly, and intelligently. Shelton v. State, (1979) Ind.App., 390 N.E.2d 1048; ...
