Like all pleasant, money has come to an end.Many families in the best case, a few days before the expected salary discovering that a purse is empty.How to learn to spend money wisely and live within your means?How to plan a home budget, to always stay in the black?
produces a proper attitude toward money
In fact, the rich man lives a little different from the existence of the poor.Do you think this is far-fetched proposition?Imagine what your monthly income will double what you spend "fell from the sky," a lot of money?The vast majority of consumers in this situation (for example, when moving to a more prestigious position) begins to acquire the necessary and usual things higher level relative to the previous ones.In other words, you most likely will be branded clothing, reminiscent in quality available, jewelry, having a large mass, cell phone and computer more popular brands.All this is good, but does it make sense, if your household is able to meet the needs of current income?This example helps us to take the first rule of how to plan a home budget: building plans for current income.
We make financial plans and draw a table
There is a fairly simple way to not be left without money.To do this, calculate the total amount of fixed monthly payments.This includes the cost of utilities, rental housing, if any, children's education and so on.With a little practice, you will understand how to drive home budget, and fill the table cost will be quite easy.Receive a salary for the month to calculate the amount of money put off.The remaining funds divided by the number of days until the next replenishment of income.As a result, we have allowed for the consumption amount per day.For clarity, you can exchange the money and put in separate envelopes by putting the date.If the entire amount is not spent during the day, it is possible to buy something nice or postponed.
How to plan a home budget, and to save?
Aerobatics in charge of the economy - is to bring home accounting accuracy to the level of industry.In this case, the budget will need to table a home in which you will enter a detailed procurement plan.Try to calculate how much you need the products, household chemicals and other supplies for the house for a week, then boldly go into the center of wholesale trade and save.Do not forget to budget the cost of transport, eating out and entertainment.If the average income of a family, you may have to save for any major purchases.It's easy to enter for the additional monthly payment and the delay means to the desired gain.
Now you know how to plan a home budget, but should take into account another important point: a certain amount of savings should be in every family.Even if you are not going to buy something big, or to make repairs, the stock should be.Nobody knows what will happen tomorrow, maybe you get fired from their jobs, or need money to repair the car.And if you still do not have this provision, an urgent need to create a certain amount of savings, you'll need to fill up at.
