Each of you is puzzled how you can spend all your salary on another dress, and then eat one buckwheat until the next pay. And you can not understand why you always need to spend money on hardware for the computer, and on new parts. It's easier for a woman to cut herself in food, she will eat only porridges, and at the same time she will be in excellent spirits, and the thing will sit well and for the sake of the figure, because she has the willpower to train herself on a constant diet. But the man from the habits in the diet is difficult to refuse, and without meat they can not.
There must be a reasonable compromise, because such an illiterate financial policy inevitably leads to confusion and scandals. Everyone, when he begins to live together, tries to spend a little more, counting on that there are already 2 purses in the family, but the costs are increasing even more.
According to statistics, women spend money on clothes, cosmetics, perfumes, spend money on gifts to relatives and friends, on entertainment, on things to create a cozy home. Men will never deny themselves delicious food and invest money in their hobbies.
To prevent this problem from turning into mutual quarrels and reproaches, it is important to discuss the family budget. It should be written on paper, as everyone sees the distribution of expenditure and income. Look at what you can save, each item costs clear on the items. Probably, your loved one does not know how much money goes to detergents and laundry detergent.
For example, take food with you to work, it's both more useful and cheaper.
Buy things during seasonal discounts, on sales. Make a list in advance so that you can not buy more. Otherwise there will be no savings, and you will spend much more money. Then, coming home, yielding to the general excitement, you will consider a bunch of unnecessary things. Bring a piece of money with you, but rather take your girlfriend or husband with you. In order not to buy the first one, give gifts to relatives and friends in advance.
Give up loans if you do not want to overpay. You can save money for a purchase, and then after a certain time, you can save the necessary amount, and the bank does not overpay in the form of interest.
If you want to buy something clearly beyond your means, then think about what you have to save. If the husband insists on an expensive purchase, then let him prepare for a cheap meal. Try once a week to buy household goods and food in the wholesale markets, only go to the store for something necessary.
When you are planning a family budget, you do not need to live in debt, it will be better to save than to borrow from acquaintances. To be thrifty, this does not mean that you should refuse yourself in everything. Loans should be taken in case of a mortgage. It is irrational to buy household appliances, fur coats and ornaments. Credits are used by those people who can not save money on the necessary thing. And they can not save, because they live in debt all their lives. Hence the conclusion - you need to avoid debt.
In the bank, make an urgent deposit. The peculiarity of this account is that money is withdrawn at a certain time, for example, 2 times a year. Either you lose your interest, and this is about 10% per annum. Such a contribution can be replenished at any time.
Carefully calculate the family income and approximately determine the items of expenditure. For example, part of the costs will go to household needs - for utility payments, part - will go to the urgent account, for food, household purchases for the house, gasoline, writing supplies. Salary of the second member of the family can be allowed to purchase equipment, clothes, entertainment (gifts to relatives, movies, trips to cafes) and pocket expenses. Taking into account the real sums, the calculations can be corrected.
If you can not collect funds, then clearly follow the plan. If you decide that half of the salary should be put on the account, then do not give yourself any indulgence.
If you still do not have enough money, and your two salaries amount to a normal amount for life, then the needs of your family do not coincide with your opportunities. Dull your appetites. It should not go into negative balance of the family budget. And this should be: the availability of funds in the bank account, no debts, on the pay day there should be a small balance for current expenses. With the consent of both spouses, each large and smaller purchase must be made. Sometimes a husband or wife dissuades their second half from spending too much money. Ask yourself, you need this thing, and mature, reasoning, you can not buy unnecessary trash and save money in the family.
Is it always necessary to save money?
Of course, saving is good, but when you need to save, and it happens that saving is so petty that it simply poisons your life.
For example, you stayed late at a friend. The girlfriend's house next to the stop, there is no transport, you need to go to the other end of the city. You decided to save money and do not take a taxi. After standing an hour at a stop, and freezing, you got to walk to the house. You are proud of yourself that you saved money. But in the morning you see that there are all the signs of a cold, and in order not to take a sick leave, you are gaining medicines, for an amount that exceeds twice the payment of a taxi. The result - you could not get enough sleep and almost fell ill.
Another such savings. You sit in the dark, you want to save, because the electricity costs money. In the dark time in winter and autumn our body is experiencing a lack of light. According to psychologists, light should be included at this time brighter. If you are in a poorly lit room in the dark, it will lead to seasonal depression, and a lot of money will be spent on the treatment of the disease. Electricity needs to be saved, but it does not mean that you need to sit in the dark while it's enough to turn off the light, you do not need to leave the TV working. After all, many people leave the TV on for the whole day, even if no one is watching it.
Now we know how to plan the family budget correctly. Every person should have money for a rainy day, this is such a reserve fund. At least once a year or from time to time you need to do the cost analysis. You probably have such expense items that you can not do without, or you need to reduce them. In this case, one does not need to plant his own relatives in bread and water. And this is necessary for you to know what is happening with your money. Maybe your income is not enough, for those purchases that you plan to buy. If you treat correctly the planning of the family budget, then you can live without debts, and a small saving will help you to plan your family budget correctly.