There are many effective methods for managing your family budget. Not everyone finds it easy to follow many of the rules. However, there are methods that even our grandmothers know.
Instructions
Step 1
Never go shopping on payday. As long as you have a decent amount in your hands, it seems to you that you can afford anything you want. However, the next morning you realize the futility of your purchases. To prevent this from happening, put off the purchase idea until the morning.
Step 2
Set aside 10% of your paycheck to save. This money will come in handy when you need to buy something urgently.
Step 3
Then set aside money for important expenses: utilities, payment for courses and children's clubs. Also, don't forget to include annual expenses in the list.
Step 4
Then spread the remaining amount into 4 envelopes (each for one week). Put the same amount of money in all envelopes, if after that there is money left, put it aside for a dream.
Step 5
The envelope method teaches you how to save money. If you do not meet the fixed amount, then be sure to take the money from another envelope. Ultimately, you will have to live the last or any of the following weeks for a very limited amount.
Step 6
This method teaches you not only to fit into a certain amount, but also to think about what to spend your money on, how to distribute it so that there is enough for all the necessary payments, needs and not left for spontaneous purchases.
