In most modern families, a woman is both a mother, and a wife, and a guardian of finance.
However, women's nature is not constant, and most purchases are made in a fit of feelings.
And when at the end of the month the guard of finances calculates the money leftovers, it always surprises where green notes evaporate.
After all, it seems that the incomes are decent, and there was not much expenditure, and the money went away somewhere.
A similar situation occurs in every second family and many simply do not know how to get out of it.
Someone starts borrowing, but this situation is only aggravated.
But if a woman knew , how to compile the family budget of , such problems would bypass her side, and with each salary it would be possible to save about 20-30% of income.
What is the family budget?
Before moving on to the compiling the family budget, let's take a look at the concept itself.
So, what is the budget?
A budget is an estimate of all income and expenses for a certain period of time. Usually, within the same family, the budget is drawn up at the beginning of each month, and at the end the results are summed up.
And that in the family there was peace and tranquility, it is desirable to write down every penny spent in the budget.
How can you save money?
In some families, there are situations when the husband gives all the money to his wife, and at the end of the month begins to reproach the loved one for unreasonable spending.
Although in fact all the money was spent by the breadwinner himself: 3,000 for oil, 5,000 for gasoline, 10,000 for wheels, and still went to repair a starter at BMW and that also pulled a couple of thousand for beer and cigarettes.
And if in such a family records of all incomes and expenses were kept, the loved one would stop grumbling and get angry at the lack of money.
How to create a family budget: successful methods!
I'll start with the fact that there are quite a lot of methods for compiling the family budget .
In this article I will only talk about two, but the most effective, which will suit absolutely everyone.
1 methodology. Accurate management of all costs
This method of running the family budget is quite troublesome, but you will know about each spent penny.
Many eminent financiers say that this method will save 20% of the income from each salary.
With financiers, of course, you can argue, because not every family will patiently record each purchase.
So, first you need to create a tablet in Excel, where you split your expenses into several columns.
In the first column you can record utilities, lights, internet or rental.
In the second column, it is proposed to record only spending on food, third personal expenses, fourth expenditure on entertainment, and fifth unforeseen expenses.
The advantage of remote work!
Every evening you have to put absolutely all the expenses in each column( if they were), and at the end of the month you will be able to see all your expenses.
If you spend money thoughtlessly, then the final balance of the family budget make you think and cut expenses on unnecessary things or products.
Naturally, the existing table you can upgrade for yourself and add columns for household chemistry, care for a cat, a child, parents, etc.
The main thing is not to dissemble and write down absolutely all costs!
2 methodology. Four envelopes
This method is suitable for families who are a burden to consider every penny.
Every month you receive a salary, 20% you need to postpone immediately.
You must have some savings, right? !
With 80% of the remaining money you pay for all utilities.
The remaining money is divided into 4 equal piles and is decomposed into four envelopes.
Now you will know exactly how much you can spend each week.
How to become rich?
If at the end of the week you do not spend all the money from the envelope, you can postpone the rest or spend it at your own discretion.
This scheme for drawing up the family budget of is good, first of all, by the fact that it does not require a painstaking account of the funds expended.
Having started to take into account all expenses, at times the desire for spontaneous purchases disappears.
After all, at the time of purchase, the thought appears in the brain: "But this purchase will have to be written down in the expense. No, I think I'll think about it. "
And leaving the store with nothing, usually then you do not return there.
And a few words about planning the family budget
and optimizing household spending
in the following video: