You and your husband can not agree on what and how much to spend money on? You want to buy perfume, and he's a new cell phone. An insoluble dilemma? By no means!
Instead of arguing and arguing, first of all decide with your husband. Which of you will be the cashier and will be responsible for housekeeping. An avid spender, who can not count money, does not fit into this role.
Suppose you won the election. Then immediately take up the planning of the family budget. This problem is not a simple solution.
Put money in one.
First, take a pen and calculator or use a special computer program and start calculating income and expenses for the month.
Step one.
Sum standard costs:
1. Rent - utility bills, home phone, credit.
2. The cost of training in children's institutions - various courses, kindergarten, school and so on.
3. Transportation - the cost of tickets. It is most profitable to get a ticket for a month. And of course the payment for gasoline.
4. Lunches outside the house - at work, at school. It is best to take food with you, and not go to a cafe, it will save your money.
Step two.
Go to the mandatory and a large expense item - products. If the main purchases you make once a week, to calculate the amount is not so difficult. But if it is constant, it will take more time, constantly recording everything that has been purchased for this month.
Step three.
Add up the approximate cost of medicines and hygienic supplies, household goods, which you can not do without.
Carefully everything, after calculating, you will receive the amount necessary for your family to live, nothing more. Take from the income more money to buy clothes and shoes.
Food basket.
The cost of food can be reduced in two ways.
1. Buy products at a discount - at retail outlets, at wholesale stores or supermarkets during the promotion.
2. Spend more time preparing food. Try to abandon the semi-finished products. All these products are certainly more expensive than those cooked at home , and, moreover, inferior to them in quality.
We leave for the clothing market.
Do you want to save on clothes and at the same time dress fashionably? Go shopping in the period of discounts: in August, stores arrange sales of summer things, and in February - winter.
General cuts.
Saving alone will not work. Firstly, this is not fair, and secondly, the funds can be saved only with the participation of all family members.
1. Write down all your expenses every day, down to the most insignificant. Be sure to accustom yourself to this and her husband.
2. Set the order of your purchases: this month you get a husband a laptop, and in the next - you have a coat and shoes.
3. Do not carry large amounts of money with you - so you will have less temptation to spend it on any nonsense.
4. Try at home always to have some amount of money as an untouchable stock - you never know what can happen.
Start up in the flow.
Bad habits are very expensive. A pack of cigarettes on average costs 3000 rubles, calculate how much this will be for a month. The same applies to alcohol. Even if you do not buy very expensive spirits, the amount is still not small. If you and your family are able to refuse all this, you will save a significant amount of money.
Expensive communication.
The cost of mobile communications can be reduced if you and your husband choose the most favorable rates for you. First, look at more favorable rates for your family. Consult with a specialist. Constantly watch for offers and promotions and change your tariffs, so you can also save your savings a little