Summer is ahead, the time of vacations, but you can't go to the sea from year to year. And all because your finances are singing romances. And here quarrels begin with loved ones, mutual claims. The husband claims that no matter how much money you bring, it will still not be enough. And in his words, there is some truth. Ever wondered where all your hard-earned coins go? Let's figure out what we spend on and what we can save on.
It is necessary
- - good memory
- - calculator
- - invoices and receipts for payment
Instructions
Step 1
Create a notebook in which you will display the expenses of the family budget. Thus, it will be easier to analyze the main costs at the end of the month.
Step 2
Divide your income strictly into envelopes (for example, in 1 envelope you set aside the amount to pay for utilities, in 2 to pay for the institute, in 3 to pay for food, etc., put the rest of the money in the last envelope and touch it only in exceptional cases). Of course, it will take great endurance and willpower.
Step 3
The most important item of expenditure is, of course, the products. And here you can save incredible amounts. Plan your main shopping trip once a month, preferably with a large supermarket. Make a grocery list ahead of time so you don't buy too much.
Step 4
Cellular communication is another unprofitable item in your budget. Consider all the options and proposals of existing operators. You may not have the best rate. You should consider moving to more acceptable terms. Make a minimum monthly communication cost limit and strictly adhere to it (for example, top up your account only on Mondays, and the amount should be the same).
Step 5
Don't take loans. No bank will be able to offer you those conditions that would not hit your wallet.
