How correctly to learn to save the family budget?


We all live from wages to salaries. We drain a huge amount of money for completely unnecessary waste. And few people think about the fact that if you learn how to properly allocate your expenses, you can save a lot of money.

We do not call you to general greed, because saving is not limiting yourself in everything. But you can make a few points that will help you understand how to properly learn to save the family budget.

Did you receive a salary? Great! But do not rush into the store, carry all the money home. And at home you can already make a list of the most necessary expenses, estimate how much money it will take. For clarity, it's better to draw a table, which will take into account all your necessary costs.

Do not carry a lot of money with you. Because once in your purse zashvetash cherished bills, you immediately want to get rid of them. And also there are unforeseen situations in which you really want to spend money. For example, you met an old acquaintance whom you have not seen for a long time. Do not rush to "sit somewhere", postpone the meeting, plan it, and you will spend much less.

First of all, you can learn to save on food. Buy all the necessary products once a week, and then every day, buy bread, milk and other small things. Go to the store only on a full stomach, otherwise you will want to buy everything that is on the counter. Before you go for groceries, make a list and strictly follow it. Also, when compiling a list, you can write your family's menu for a week ahead. This will help you decide which products you need to purchase. Prepare at home, preferably natural products, and not semi-finished products, which are often of dubious quality. The same cutlets you can make of minced meat and freeze, and then gradually use them. Refuse easy snacks on the go. This is not only harmful, but also very uneconomical: count how much money you have for candy, chocolate and cookies, patties on the street. But without all this, you can do without.

Essential holes in the family budget are generated from ill-considered purchases of clothes. Just like with products, you need to be very clear about what kind of thing you want to buy. Otherwise, you have a risk of regretting your purchase, because it will not fit in any of the items of your wardrobe. If you do not pursue fashion, but keep your style, stock stores are perfect for you. They sell things that were at the height of fashion last season, but they will be very relevant now. With this you can save up to 50% of the price. Look for in your area stores customs confiscate, there can be very cheap good things. And do not forget about discount cards, do not hesitate to change them with your friends.

Do not accumulate any municipal debts. Otherwise, you will be horrified at how your accounts will grow exponentially. Hot and cold water meters will significantly reduce the cost of providing these services, as well as do not neglect a two-rate meter for electricity. For lighting, energy-saving light bulbs are suitable, they save a significant amount of lighting costs.

You can reduce investment in communication services. Reconsider your tariffs on a mobile phone, maybe, choose for yourself something more economical. And about Skype and say nothing, here you can talk for as long as you want.

Large purchases, for example, household appliances and furniture, plan in advance and every month make a certain amount for their purchase. When you have enough money for an expensive thing, you can buy it without harm to your family. And it will be a great joy, than if you took it on credit! For summer vacation, too, you need to save money a few months before it starts.

There is no extra money. If after you have planned the expenses for a month, you have left unaccounted for the money, do not rush to spend them on any unnecessary nonsense, but rather put them into the bank, maybe in the future you will make the purchase you dreamed about, but were sure , that it is unattainable.

These tips will be useful for every family, especially in times of crisis. Do not neglect them, and you will see how much your expenses will be greatly reduced, and the well-being of your family will grow. Good luck to you!