Everyone knows that love money account.It is important not only to be able to save money and limit themselves, but simply to plan a budget.At first glance this seems like a pretty simple task: to postpone a certain sum, a plan for its waste and not to deviate from the plan.Of course, it is easier to control your spending if you live alone, planning the family budget requires more time and effort.
So, you face the challenge to allocate the budget in a way that was enough to repay the loan, payment of kindergarten, food, buy clothes and household appliances, and on the left a "black day".Agree, it is difficult to remember all of these problems and be able to spend the money efficiently.
planning the family budget - a serious thing that requires the right approach.Otherwise, without proper control, funds can be spent on things that you in fact quite unnecessary, unreasonable and entertainment purchases.In connection with this purchase is really necessary thing is not possible.
Nowadays there are many software programs to help you plan the family budget quickly and simply.For example, "Home Bookkeeping".This program alone will make mistakes on the entered data.With the help of e-home accounting, you can control the debt, sum up over time, to keep records of income and expenses, credit costs and schedule, etc.
According to research by American scientists, the greatest amount of money spent on food, with 30% of food from your refrigerator goes in the trash.This is due to the fact that families who buy products for a week, do not have time to eat all the food and spoil.That is why planning a diet for a week for a large family is a must.Every thrifty person remembers why and what he bought.
family budget, planning which usually falls on the shoulders of women, requires meticulous calculations and a lot of attention.Sometimes people do not realize how to spend large amounts of money on things such as household chemicals, cosmetics, products from supermarkets.Budgeting requires cold reason and mathematical thinking.Do not miss the small details, forget about spending such as going to the cinema, cafes, buying magazines and so on. D. The most economical family has long become industrial and consumer goods at wholesale stores, so you can save up to 50% of the budget.
Also worth mentioning is that often we get products imposed on advertising.Seeing a particular product on television or the Internet, you immediately run to the mall for a new product.And the biggest waste of all women - seasonal sales, during which all shopaholics completely forget that they control the family budget, and they go to the winds.
If you want not only to master a perfect planning of the family budget, but also learn to save, remember a few simple rules:
- give all the debts of their friends, never take the money borrowed;
- destroy all credit cards on which there is no limit;
- postpone part of the salary (20%);
- spread the budget so that 50% of you could spend on necessary expenses 30% on your stuff and entertainment, 20% on debt repayment savings.
In order to simplify your task, you can have multiple envelopes, on which is painted in detail what the money behind them, you need to spend.For example, the first envelope is intended for personal use and one for the mandatory expenses (utilities, payment of loans, Internet, phone, and so on.), The third - for unforeseen expenses, the fourth - for the desired flow rate (clothes, entertainment), etc..
planning the family budget - not the most fun, but necessary.If you want to have in your family always had money, but you can in anything does not deny, you need a plan.
