Joint management is not just a term. In our country, this form of being has always been given great importance. Let's say you live with a loved one, but this marriage is not registered in the registry office. Then you quarreled and decided to scatter in different directions. The car, the apartment, the dacha that you bought for common money, are written down for the husband - you have a chance to divide the property, if there are witnesses capable of confirming that you led a joint farming, but the share of each depends on its contribution. We hope you understand the importance attached to joint management in our country? About sad to say we will not. Let's think together about pleasant things together. For example, on how to make the family budget more economical, and therefore, more money to release for pleasant and expensive purchases. You will not believe, but there are six steps to wealth - through saving. About them and will be discussed below.
Budget management is not so much for us, women, as our second half. Oh, someone, and we know where the store is cheaper, what products need to be purchased in the wholesale market ... And if we act differently, then we have a good reason for this. Men, especially if they earn well, consider themselves masters of life: they spend money, not counting, while they have them. And then ... they either get into debt, or are tormented by remorse, trying to find at least some kind of sub-work. Such torments do not benefit their health, therefore, lovely women, spending men need to be controlled unobtrusively. The first step towards saving is the "granary" book, in which all expenses for graphs should be recorded: type of expenditure, amount, amount, date. If something in the end turned out to be too much or too little, mark this fact in a separate line. But, God forbid, to demand the same detailed report from her husband (unless the budget calculation was his idea), he will be offended. All his expenses are placed in one box, without specifying what and how. The very fact of keeping records of expenses must be presented as a shadowing of oneself. A clever husband himself will be surprised that about a third (half, a quarter) of all family money flows into his "little things." He is able to analyze the situation himself and, without giving up most of his habits (it's sacred!), Find economical ways to maintain them. It's worse if the man does not make any conclusions for himself. I'll have to resort to "thick hints." Namely: - Darling, I accidentally went into the car service next to my work, the level of service is the same, but the prices have pleasantly surprised me. Or: - Your hairdresser has ceased to like me. The position you occupy requires more attention to appearance. Let's try to make a haircut from another master. Such "hints" will be the second step towards saving. However, you will learn something new from the "barn" book for yourself. Step three: group all purchases according to the terms of use. For example, once a week you need to buy 3 kg of meat, 1 kg of butter, 5 liters of milk, once a half a year - 5 kg of flour, 1 kg of buckwheat, 3 kg of rice, etc. So you find out what foods in which quantity and how often you need to buy. Now you can take the fourth step: to purchase these products. Find a place cheaper. With a wholesale purchase, a few kopecks of savings for each kilogram or bag will give you the opportunity to take it all in a taxi (if there is no car), plus buy for yourself some trinket (or, conversely, a small but very useful thing). On everyday purchases you can not save, you better choose the most suitable place for them: on the way from work, near the house, without waiting ... Let a loaf of bread cost more on the ruble, you will save much more valuable - your time. Step Five: a global summary. Study the contents of the "barn" book for the year. You will see that in different months you spend a lot of money on the farm. In winter - more, in summer - less. But in the summer there are unforeseen expenses for rest. The next step is wrong to call the sixth , rather, it is zero, since you need to start it from the very moment you decided to save, because we know that you need to save not only money, but also time. As the scientists have calculated, we spend 12% of the time on housekeeping. In shops we spend an average of 2-3 hours a week. Money and time are interdependent things. If you save the first - buy a technique and save the second. Start another book - a diary, better broken by the clock. Write what you do every 30 minutes: take a shower, have breakfast, go to work, watch TV ... At the bottom, draw the line and add everything you should (or wanted) to do, but did not. How much time did you miss? Look where you could borrow this time: maybe it was worth to increase the pace, something to cancel, move, combine ... Be sure to rest: daily for 2-3 hours. It should be a good rest (reading, walking outdoors), and not watching the movie while ironing, not a trip to the subway.