Financial issues are often the cause of quarrels in families, especially young ones. In order not to sort things out about money once again, it is important to learn how to draw up and maintain a family budget. Then you can correctly calculate the required amount of funds and learn how to save them.
Instructions
Step 1
Make a table of your total income and expenses for the month. This will be easier if you keep all your receipts. At the same time, do not forget to include small expenses there: travel by public transport, snacks in a cafe, buying bread, cigarettes or gum in a nearby store. Thanks to this, you will not only be able to calculate your budget for the next month, but also understand what you can save on.
Step 2
Make a list of expenses for the next month, excluding those items from which you can refuse. And then strictly adhere to it, not giving yourself indulgences in the form of buying another blouse with a big discount. When budgeting, it is also important to set aside 10-20% of income for unforeseen expenses and about 10% in the savings bank.
Step 3
Avoid snacks in a cafe, because eating at home will be much more economical. And even more so, do not indulge yourself with dinners in expensive restaurants with a lot of wrap.
Step 4
Try to buy food and cleaning products from wholesalers. Thus, you can stock up on potatoes, onions, canned food, fish and meat for a long time at low prices. And put the difference in the savings box. And toilet paper, powders, soap and toothpaste can generally be stored for a very long time. Buy the rest of the products in the market, where prices are often much lower than in supermarkets and nearby small shops.
Step 5
When going shopping, always make a list of the products and things you need and stick to it strictly. Thanks to this, you will not forget about what you were going to buy and will not spend more money than you planned. It will also insure you against tempting promotions for certain products.
Step 6
Buy clothes and shoes from sales or online stores. Thus, you can also save an impressive amount of money, because the wrap on things often exceeds the real cost by 5-6 times.
