The inability to manage the family budget and competently manage the money that you have, leads partners to mutual disappointment, discontent and resentment, and some families to divorce. For a happy family life, among other things, financial well-being is also necessary.
It is necessary
- - Envelopes;
- - a bank account instead of a plastic card.
Instructions
Step 1
Buy 10 envelopes, for example. On each of them, make the appropriate inscription, for example, "Utility bills", "Products", "Clothes", "Leisure and entertainment", "Investments" and so on, depending on your needs and requirements.
Step 2
Allocate your total household budget to these envelopes. Do this with the expectation that these amounts should be enough for you until your next paycheck.
Step 3
Do not forget about the "Reserve" envelope. This is one of the most essential envelopes. Let you allocate a small amount, for example, 100 rubles or 300. Someone may be one thousand, and someone may be 10-20 thousand. This is not about the amount, but about the principle. The need to leave a reserve every time you receive money is an indisputable fact. And if this month you do not have unexpected expenses, do not waste money on the purchase of the next thing, set them aside for a long-term reserve. In any family, sooner or later, situations occur that require unforeseen funds.
Step 4
In families with children, add envelopes for each child. So it will be easier for you to understand how much money is spent on what, how much remains in reserve, etc.
Step 5
Decide with your husband who will be responsible for which envelope. Who will pay utility bills, who will list and make purchases, who will invest and who will reserve, etc.
Step 6
Do not scold your husband or yourself if you did not succeed the first time. If your spouse again wasted money from the Utility Bills or Reserve envelope, do not try to solve everything yourself and save the situation. Do not pull everything on yourself, teach your faithful to be responsible.
Step 7
Try to make the savings happen by themselves, and the waste of money - with difficulty. Do not carry your entire salary with you in your wallet at once, so you will spend it much faster. The same goes for debit cards, especially credit cards. If you want to save money, use bank accounts as an analogue of these "plastic spenders".
