If you have ever count up your expenses, you'll be surprised!The impressive amount of money spent on all sorts of unnecessary stuff.For example, for the purchase of:
- sweets;
- goods with high mark-up (coffee in a restaurant, hamburgers);
- not very useful things that are subject to great discounts;
- products similar to those you already have (the same name, but different color, a different smell, etc.);
- products that do not need you urgently (and often they will not be useful in the future);
- cute trinkets.
If you are part of the budget of the family and will strictly follow it, you will quickly come to their targets.But first you need to define them.Why do you need it?Do you want to save money on the purchase of significant?You hurt to know that you earn a lot, but can not afford?You want to learn to save?Or are you driven by a different motive?It is extremely important to determine.No need to plan because so many do.It came to nothing lead.
How to calculate the family budget?
There are lots of programs for planning.However, many are not suitable because of its pattern.The best option - to keep records as table Excel.In one column write down all sources of income, in the other - spending.
Some prefer to use a special program for mobile phones that help keep the family budget.This is very convenient becauseimmediately after purchase, you can record the amount spent.
On the basis of the first month you will be able to draw certain conclusions.What amount of money you spent efficiently?What kind of expenses you could escape?Based on these findings, you will be able to plan further action.
How to create a family budget?
first rule of the wealthy: delay a percentage of revenue.The Gold Standard - 10%.If possible, better to save more.The quality of life of your family will not change because of the small amount.But over time, you can save quite a lot of money.The 10% in any case can not be spent.The best option - to invest them elsewhere.Let them bring you the interest.
If you have debts or loans, consider the scheme of redemption.From them it is necessary to get rid of as soon as possible.Determine how much you can allocate a monthly basis to cover the debts.
If you want to save money on a significant acquisition, make the family budget amount you plan to postpone monthly.Further note the important costs, from which you can not refuse, and the monthly cost of which does not change (or changes slightly).This includes auto insurance, utilities, the cost of tickets, training, and so forth.
Now think over other important expenses - food, clothing, gifts, leisure and so forth.
If "debit to credit" persistently did not converge, there are two options.The first - to reduce costs, the second - to increase revenues.Moreover, the first option is relevant in any event.Many people who have just started to conduct the family budget, note that by giving up sweets, snacks and promotional products, they could save a lot of money and pay off the loan faster.
But do not cut costs to a minimum.In particular, the need to allow yourself a good rest.Otherwise, you will quickly have thrown that idea.
