In a modern family, a woman is both a wife and a mother, and a "finance minister" in charge of distributing funds and planning purchases. But usually purchases happen spontaneously. As a result, it turns out that incomes seem to be quite good, and funds are never enough, although nothing extra was bought. The money just keeps melting. Sound familiar? Therefore, we want to touch on the topic of the family budget.
Instructions
Step 1
Financiers argue that spending planning alone will save up to a fifth of the money. Imagine: 20% of your money remains safe and sound every month. They can be spent, postponed, that is, freely dispose of them. The eternal lack of funds, at the same time remains in the past, all the necessary things were bought, and there was no need to save. Liked? Now let's take a closer look at how to draw up a family budget.
Step 2
Organization of the budget and its maintenance
First, organize your expenses and income. Create a notebook, notebook or spreadsheet in Excel and write down all the data there. You can also download templates for Excel or programs specially designed to work with a family budget. Write down all receipts, salaries, parental help, interest on deposits … You need to know exactly what you can count on.
Then write down the types of expenses:
compulsory payments (telephone, utilities, television - everything that must be paid for);
recurring payments (fees for a kindergarten, a fitness club, a mobile phone, interest on a loan - everything you have to pay for every month);
food;
household chemicals (washing powder, soap);
appearance (shoes, clothing, hairdresser, cosmetics);
travel, recreation, entertainment;
training (university, trainings, seminars);
child (pocket money, school supplies);
Pets;
transport.
The names do not matter. Ideally, for each item, have an envelope, where to put the money needed for this type of expenses, a month in advance. This way you can ensure the most important directions and avoid unnecessary expenses.
Step 3
What is the ideal budget?
Research by scientists determines the average numbers:
50-60% - payments and things necessary for life;
20-30% - travel, entertainment, recreation;
10-20% - savings (reserve, savings, pension funds). Cost control
Try to write down all the expenses, and you will be surprised how many expenses you have already forgotten! And most importantly, most of them were not necessary!
Why did you buy a pie on the way home? Dinner and so in half an hour. I went to the store for milk, but bought coffee and salt, although I was planning to go to the supermarket, where everything is cheaper … I met my friend on the street, went to chat in a cafe, ordered a cake, and as a result my wallet lost a lot of weight …
You get nervous, scold yourself for unnecessary expenses, and they could not have been committed if you knew how much and where you had to pay. Avoid extravagance
Credit cards are very convenient, but they are tempted to spend more. If you are aware of your own propensity for extravagance, do not take your credit card with you. Put in your wallet as much as you intend to spend today.
