If you just can not learn how to optimize your income and expenses, are used to living in a loan and can not collect the required amount, then you should try to begin to conduct home accounting.At first, it may seem that this is a waste of time, because the money you have from this no longer appears.But few people think that accurate records of all spending often helps them to cut.
accounting software
If your family now and then conflicts arise because of money, you should think seriously about how to calculate the costs and revenues.Of course, all entries can be made in a notebook or notebook, but it will not let you visualize how much money goes where.It is much more convenient to use a special program.If you do not want to deal with their abilities, then try to start to conduct household budget in Excel.
By the way, do not underestimate this program: it you can not only record their expenses, count them, grouped convenient way to you, but to build a chart or graph that will see where all the money went.Do not look for ready-made tables to account - is unlikely you might need a someone circuit.Take a few minutes and make it the same as you want.
For example, keeping a household budget can accommodate a conventional sign on the 3 column, where you will specify the income earned, costs incurred and the sum total amount.But it is not too convenient, and visually, it is better to distinguish between items of expenditure, where certain categories of products to make, utilities, clothing, entertainment, spending on car rental, loan.Divide and revenues can not forget to take into account unforeseen income, interest on deposits and other.
Special programs for accounting
If you do not want to reinvent the wheel again and wisely over the tables, you can download one of the programs, which allows management of the family budget to make as comfortable as possible.Some of them are offered for free, others require payment for downloading and further use.For example, you can set up a "home audience", "Home Bookkeeping», «Family», «meanie", "Family Purse" or some other program, there are dozens of different options.
When selecting carefully read the description of the proposed developers, but do not leave without attention and feedback from users you liked the program.Only those who have tried to maintain a household budget can use it to talk about, whether it is convenient.
necessary capabilities
agree to write your income and expenses and you can leaf, so the program must be presented to a serious claim.So, you should not only be able to make all expenses, but also to group them, to build charts to visually see the movement of funds.It is also desirable that the program for the conduct of household budget supports the possibility of making information on deposits and credits are automatically accrued interest method you specified and adds them to the relevant article.
Very handy if the program has a function to be "Reminder".So, with it you will not forget to pay your bills on time, or renew the deposit to repay the loan.Also pay attention to the interface of the application with which you want to optimize the management of the household budget.You have to open it almost every day, so you kind of program should involve.
