In order for the monthly income to be enough for all needs, there is no need for loans or borrowing, you need to think over your budget for the next month. How to do this, let's try to figure it out in stages.
It is necessary
If you have constant monthly income, it is easier to plan your spending during the month so that there is enough for everything and accumulates a little for a "rainy day". An ordinary notebook and pen, an Excel spreadsheet or any home accounting program, of which there are many on the network, will help us with this
Instructions
Step 1
Stage one: we take into account income and expenses
Fill in the "Expenses" column:
1) monthly payments on a loan (if any), utility bills, payment for studies at a university, school, contributions to a kindergarten; 2) approximate expenses for food, household items for the house; 3) entertainment, shopping, gym; 4) a certain amount for unforeseen expenses in the event of a sudden illness or dismissal.
2) The budget is considered ideal, in which all these items accounted for no more than 40% of total income. This is a fairly rare occurrence. Most often, expenses are equal to income and strive to exceed them. The easiest ways to save money is to reduce spending on entertainment and shopping.
Step 2
Stage two: paying off debts
We repay the obligatory payments immediately after receiving the salary. This will save us from fines and penalties. It is convenient to use Internet banking for these purposes. You can prescribe all monthly expenses in advance and then you just need to press a couple of buttons to pay.
Step 3
Stage three: identifying overruns
All checks collected during the month will help you figure out where the money is going. It is advisable to keep such records for several months in order to identify a trend. Most often, a shortage of funds is created by impulsive purchases at sales, the habit of eating out, the desire for expensive brands. We reduce the identified waste gradually, trying to accentuate at the time of making a purchase that it is these items that cost you dearly.
Step 4
Stage four: creating savings
If there is no deficit in the family budget, then part of the income remaining after the distribution of expenses can be postponed. Usually it is customary to set aside 10% of income, but it can be 5%. This is decided individually in each family.
Step 5
Stage five: we carry out the planned plan
This is the most difficult point. You can write a lot, but everything will remain unfulfilled if you do not control your expenses according to the plan. It's easier to do this, realizing that you are doing an important job, for example, saving up for a trip abroad, renovating an apartment, or deciding to get rid of all loans.
