Young family sooner or later faced with financial problems.For the most part, they arise when the family budget is not agreed, the plan that you want to make each year.For information on how you plan to spend the money, it is better to negotiate before the wedding.This saves you from a lot of quarrels and misunderstandings.However, in any case, to return to this question is never too late.Today, we make a plan the family budget.
bedrock of
Calculation of the family budget is better to do in the table.To begin each month, record the standard payment.It could be a mortgage, loan, utilities, payment of home phone, Internet and television services.They also include other fixed costs, such as clubs and courses daughter, son, sports section.Then add in the table of individual payments that happen to you once a year.It is necessary to make sure that they were not a surprise to you and do not spoil the whole family budget.These costs typically include the payment of taxes for the apartment and real estate, and various insurance services and so on.If you pass the prophylactic treatment once a year, for example, strengthens the immune system in the spring, it also fix the amount allocated to it.
Go to detail
Now, considering your total income, subtract from it the cost of every month and secure this difference next to the name of the month.With this money and you will live.Then our family budget, the plan of which we make, should be divided into different categories: the amount of food, household expenses, car maintenance, entertainment and so on.These categories in each family can have their own.Decide together means that you can spend on this or that direction.Do not forget to leave a sum for your personal use for each family member.We can say that the family budget is ready, the plan is written.However, you may still be difficult.This is due to unforeseen expenditure.For them, you should stay the item "Reserve".This will help you the first time to work out the correct amount of cash expenses for certain categories and you go astray from the right path, if you suddenly fall ill or do not get the expected premium.
Separate budget
not necessarily constitute the total family budget, the plan of which is described above.Many spouses do not add up all in one pile, and prefer to keep separate scheme expenditure and revenue.There may be even more disputes and misunderstandings.Therefore it is better if you do the same as it was described, considering the monthly and annual spending and advance equally divide them among themselves.Similarly, the need to share the cost of food, child support, domestic needs.As a result, each of you should remain happy with the proposed scheme.Consider the version of the unequal division of monetary obligations, if any of you are paid less.
windfall
This is a special part of the family budget, which is difficult to predict.In this case, in order not to pull all the money in restaurants and cafes set up an overall list of financial goals.They must also hold both of you.When will the extra money, just pick something from the list, and there are no problems.
