Life together is economically unprofitable. We offer several options for how to plan a family budget. First, let's consider when two partners earn, Each spouse puts his financial receipts in a family "purse", and as necessary withdraws funds from there.
This is how the family budget is planned, in which the wages of the wife and husband are very different. This method is suitable for amicable couples who have the same interests, this way will not be a way to plan the budget, but a way of allocating funds. When the incomes of one are different and at the same time very strongly from the other, then the one who earns the least earns, he simply has no incentive to develop. And such a variant of budget planning is often lost.
The "family piggy bank" is considered more progressive. The income is divided into 2 parts: personal and public. And the further depends on what the family has on one plan: personal or general needs. Each of the spouses gives some fixed amount in a piggy bank for family needs, it can be toothpaste, toilet paper and so on. But as practice shows, this method only increases costs.
The opposite approach is the distribution of money "on envelopes." In this case, family expenses prevail over personal expenses. And to distribute means in this case it is more difficult. Several empty envelopes are taken, they are signed according to family expenses. In the envelopes of the spouse, they set aside the same amount.
Find out how much money lies in each of the envelopes, you can only after a long calculation. The remaining amount of money, after the money is spread out over envelopes, is considered their personal savings. But there is a danger that the spouse, whose salary is less on beans, in terms of the fact that he will not have personal savings. But this method is promising, if you want more personal funds, you need to work more.
Consider a family where only one of the spouses works.
Tips from specialists:
1. We calculate the expenses. And, in the end, you can make sure that we spend more than we earn. We will calculate all expenses within 3 months.
2. We save 10 percent of all earned money.
3. Cutting costs. We do this to the main earner, and to the person who sits without salary.
4. Learning to go shopping, they need to plan, not succumbing to the impulse.
5. We go with the list to the hypermarket. Prices in hypermarkets are quite affordable, and if you deliberately make purchases, you can save money. We take a small cart, after all, we are trying to fill the empty space as quickly as possible psychologically.
A few simple tips to start saving
Install energy-saving light bulbs, a toilet with economical drainage of water, counters for water. And then the rent will be cut by 30%. If you pay for electricity at night and day rates, then it makes sense to run a washing and dishwasher after 23.00 hours, when 3 times cheaper electricity.
We buy travel cards. A card on the subway can "justify itself" for three months, if you go to the metro more than once a day.
If there is a car, then a lot of money goes to gasoline. When you refuel at one gas station, you can ask them for a discount card. Even if you save 1 ruble per liter, you can save more than 200 rubles per month. If possible, we fill the car in the area, and not in the city. You do not have to overload the car, avoid traffic jams, then you can save a few rubles on fuel.
Non-perishable products (macaroni, cereals, sugar) are bought in large batches. And also household goods (sponges, soap, household chemicals) we buy in bulk.
Valuable secrets
1. Many people, having received a salary, rush to make purchases, and there are also such purchases, without which you can do without. And let's postpone all purchases for tomorrow. This "shop fever" will disappear either completely, or weaken. And in the morning on a fresh head you can decide what you need to buy first.
2. Get a small purse for a trifle, and pour a small change into it, without spending or looking. When paper bills run out, then you will be surprised to note that in this purse a fairly good amount has been collected.
3. Do not take a loan, if only there is, an extreme necessity. But you must give it when you need it, without waiting for it. When you are in debt, ask to return all the money at once, but not in parts.
4. Do not buy 2 or 3 little things of poor quality, so in the amount you get a budget overrun.
5. Go to the store with a pre-compiled list of goods, and do not leave the list if you forgot to write down something. You can return tomorrow. No need to be seduced by beautiful colorful packaging, it does not affect the quality of the goods, but only increases its value.
6. Try to follow the advice of a woman who, for family development, decided to save money. She advised to order one plastic card for two, when it is ready, you need to go get it together. Then one becomes the owner of the card, and the second remembers the PIN-code. This information with each other should not be exchanged. This method has many advantages, purchases are made by mutual consent, and can significantly reduce the costs of the family. When you go to the bank with your spouse, in order to withdraw money from the card, you can change your mind and make the wrong purchase.
Maybe someone will find this strange, but our financial well-being is determined by how much you live by means, and not by the size of income.
What is living by means? This does not mean that you need to refuse everything in yourself and save money on pleasant entertainments. Just need the money to properly distribute. Of course, I would like to have more.
With any amount of money you can hardly survive to another salary, and not know what to pay for loans, and you can live, enjoying the small joys in life.
The latter option requires respect for money and the ability to build a family budget.
We will take care of the family budget, and then we will understand where every honestly earned honest money goes every month. And then you can already plan expenses, save money for large purchases and save money.
A well thought out and regularly drawn up family budget gives a sense of stability and confidence. Think over your budget and sleep peacefully.
How do we do this?
To manage the family budget, there are many computer programs. Their only drawback is that they are suitable for all occasions and are too good. But we need a unique, our own case. And is there always such a cumbersome bookkeeping?
The easiest way to write in a special notebook or in a diary is a simple record of expenses and incomes. Through trial and error, you can find the form of the record that will be convenient for us.
On one sheet we write down all the money that was received for a month and expenses. It is desirable that there is a place for the final figures. Then the whole table will be in front of your eyes, and you can easily analyze. You will need 13 such sheets, one sheet for a month and one for the annual total counts.
With incomes, we all understand, this section will include the income of all family members, and additional income: gifts, bonuses, pensions, benefits and so on.
We distribute expenses by articles and record, it can be food, medical expenses, transportation, utilities, clothing, food and so on.
Then at the expense distribution stage, you can solve some problems. If the food corresponds to your ideas about healthy food, it is balanced, and for food, you spend reasonable amounts, then for each type of food you do not need to create separate graphs. Everything is good here, and it is worth looking for the opportunity to save elsewhere. If you eat sandwiches, your money goes to nothing, then you need to write down how much money is spent on purchased semi-finished products, on dairy products, fish, meat and vegetables.
Some people divide all expenses into 3 groups - desired payments, necessary payments and obligatory payments. And already inside each group you need to distribute them by expense items. Then it will be easier to distribute the money, from which group will the money go to plug the holes, because of unforeseen expenses. Those expenses that need to be paid regularly, their amount does not depend on you, you need to combine them into one article - "permanent payments". Here everything will depend on your specific needs and your desire.
The item of expenses "miscellaneous" or "other" will be obligatory for you. There are always such very small expenses, which you can not know where to go, and often in the sum they reach quite tangible figures. Here it is worth pondering why this happens. Probably, someone from your family buys any rubbish, only because it is cheap.
It is worth paying attention to how many months you spend money on all sorts of unforeseen expenses. And in the future we will introduce certain amounts into the planned budget. Do not forget to plan expenses for anniversaries, family celebrations and holidays. If you are collecting money for a large purchase, you need to put this money in a separate box. In a separate column there will be payments on debts and credits.
At the end of the month, we will sum up and discuss at the home council. You have a great opportunity to track costs, stash, plan future expenses, and also have the opportunity to resolve family differences.
How to use it
It is difficult to talk about some kind of planning, until some statistics is accumulated. Based on the results of the first month, we can draw conclusions. Knowing your spending, you can check where the rest of the money went.
Maybe by looking at all these records, you will be horrified when you see how much money was spent on unnecessary things that you bought just impulsively. From some of the expenditure, as later, it turns out, it was possible, without damage to refuse, and this money to redirect to some other needs.
Analyzing the figures, it is possible to understand which products have been bought in excess, and which of the products need to be bought in large quantities. And at the same time you need to figure out what products you need to buy in large packages.
Now we know how to economically distribute the family budget. You need to act like an experienced financier, move from accounting to analysis, and then - to implementing and planning plans.