Why do some manage to save even with a small salary, while others manage to live in debt with a pay higher than the average? The reason for this is the ability of the former and the inability of the latter to adhere to a clearly defined financial plan. But family budgeting is the key to the financial well-being of the family. It is not enough to make money, you need to be able to properly manage it.
It is necessary
computer, home bookkeeping program
Instructions
Step 1
For home bookkeeping, a lot of computer programs have now been created - simple and more complicated, there are programs where expenses are only recorded, there are programs with a budget planning function.
The key to successful financial planning is the ability to save. This does not mean that you need to switch to bread and water, instead of meat, buy the cheapest sausages and dress in low-price stores. On the contrary, the miser pays twice. Therefore, you must first of all refuse to buy goods of the lowest quality.
Step 2
You can save on food as follows - chicken is cheaper than pork, and also cheaper than good sausages. Good sausage is expensive, cheap sausage is tasteless. Instead of sausage (300 rubles for boiled and 400 rubles for smoked), you can buy meat. If baked in foil with spices and garlic, you have a great sausage substitute.
Step 3
Another costly part of the family budget is a car. If it seems to you that the maintenance of your car (gasoline, repairs) is too expensive, it makes sense to change it to a more economical one (for example, a subcompact).
Step 4
If you or other family members smoke, make it a goal to quit the addiction. She not only ruins your health, but also makes a significant hole in the family budget.
Step 5
If you are planning a summer vacation, start saving for it in advance - set aside a fixed amount of money from each patch. The same should be done when planning large purchases.
Step 6
In addition to savings for specific purposes, it makes sense to set aside some of the money, which is called "for a rainy day." In this case, an unexpected breakdown of the refrigerator will not become an unbearable loss for you and a reason to give up your summer vacation.
Step 7
Make it a rule not to use loans whenever possible - there is no point in overpaying for what you can save up for.
Step 8
What is the best way to keep money? There are many options: replenishing deposits, gold deposits, buying currency (especially important if you are planning a vacation abroad), investing in mutual funds. The choice is yours.
And remember, it is not enough to learn how to make money, you need to learn how to spend correctly.
