How to organize your family budget
How to organize your family budget
There is a paradox, tested by manyGenerations - when you live alone or with your parents, then you have enough money, when you find your family - there is no money, although the salaries are the same. If you do not understand where the money is going to waste, then it's time to take up the family budget.
It begins with the calculation that you are conductingthe first couple of months. Just carefully write down each purchased and spent ruble, without trying to save. Be honest with yourself, enter all costs and incomes. Be sure to ask your spouse to give you checks. You can register in any spreadsheet editor or in a downloaded special program, you can also use online services.
After two months of clear records, dosummary report and analyze - on what and how much you spent. Then analyze in detail each category. The results are overwhelming. Easily spent 100 rubles on cigarettes at the end of the month turn into a very appreciable amount, and most families spend most of their money on food and loans. Think about how you can reduce your non-obvious costs and where to get additional income.
The task for the third month is global -make a plan for costs and revenues. And the most difficult thing is to stick to this plan. At first it is rather difficult, but soon you automatically begin to notice where the money goes and the forces appear to spend them on a more useful or more profitable purchase.
Literally in half a year you will notice that you spend less money on trivia, and the saved funds are already enough for a new computer or for early repayment of a loan.
