In addition to the brightest feelings, financial stability is the basis for the existence and prosperity of a happy family. To confidently "stand on your feet", it is important to correctly organize the family budget.
Instructions
Step 1
Select a model or type of family budgeting. Living together requires strict adherence to the rules of financial security. This is especially true in cases where a couple is having children, as well as when planning serious and expensive purchases.
Step 2
An independent family budget involves the use of funds at their own discretion by each family member. This model is suitable for newly married couples or families who value financial freedom and independence, with approximately the same income level.
Step 3
Please note that if it is necessary to pay common expenses, then the spouses must do it jointly, in equal shares. Calculate the amount in advance and divide it in half. With this method of managing the family budget, situations often arise when only one of the spouses has money, thereby provoking disagreements and misunderstandings.
Step 4
If you opt for maintaining a solidary family budget, you will have to form a "common pot". This form is based on the principle: whoever earns more, he spends more on joint family needs. In other words, if one of the spouses has an increase in income, then he will have to take on most of the family expenses.
Step 5
With a joint family budget, all incomes are accumulated in a common "wallet". The couple discusses how best to spend the money, and acts in accordance with the decisions made. This type of budget is the most acceptable and attractive for the majority of young families.
Step 6
Regardless of which form of family budget you choose, it is important to have an accurate idea of the amount you have at your disposal. This makes it much easier to control costs and, if necessary, limit them.
Step 7
Plan your family budget a month before you receive money. Be clear about the family's expense in the current period. These are, first of all, compulsory payments (groceries, payment for housing and communal services, payments on loans, etc.), as well as optional expenses (purchase of various goods, expenses for entertainment events, etc.).
Step 8
If after the necessary calculations you still have money, do not rush to spend it. First, think about where and how best to invest them. Perhaps these are funds that should be used within a month to buy better quality food, or maybe these are monthly deductions for your long-awaited vacation, etc.
Step 9
Take care of your debt. Try to take loans reasonably and pay them off on time. Please note that you must be confident in your own solvency. In the event that you owe money, take a receipt from the debtor, demand from him any guarantees of his solvency that are acceptable to you, ensuring the maximum probability of a refund.
