Points of the budget
In order that money is always enough and everything, you need to make up a family budget. The lesson is not too difficult, sometimes fascinating, but most importantly - very useful. So, you got a salary. She lies in her purse, pleasantly crunching with new bills, or on a bank card - it does not matter. We take everything honestly earned and begin to divide.
1. Postpone 10-15% of the received - this is money that you save for a rainy day, a car or a trip to the sea. You say, you already do not have enough salary, and there is nothing to cut off from it "for later", do not worry - if you plan correctly, there will be enough money, and the notorious 10% ... Think sensibly: if your incomes suddenly drop by 10% After all, you can live on the remaining 90%? Of course, you can. There is no salary from which it would be impossible to cut off the tenth part painlessly (when the pay is equal to the subsistence minimum, we do not take into account.) It is not worthwhile to postpone more than 15% of the earned income. You will hold out in the austerity mode for a week, two, maybe - a month But then you will fail and lower all the accumulated in the first boutique.
2. We put in a separate envelope 1-2 thousand hryvnia for compulsory expenses. You pay every month for an apartment, a kindergarten, the Internet ... Allocate this amount immediately! If you still have to give money, it's better not to rely on them initially.
3. We take the calendar in hand and see if it is not expected that in the next 30 days jubilees, weddings and other celebrations will take place among friends and relatives. Because if it is foreseen, then for sure you will have to buy a gift. We set up another envelope and put aside the amount, which, on the one hand, is not a pity, on the other - it's not a shame to spend on presents.
4. How many are left there? 5 thousand? Two? One thousand? This is your current spending, money that you will spend for a month. The key word here is "month." If we do not remember the arithmetic for the second class, if not, we'll help the calculator, divide the remaining money for 30 days.The sums received are the standard amount of your daily expenses.Now you know: in order not to get out of the budget, Of course, you can spend more - we are not robots, but living people, but in the next few days we will have to cut back our own appetites to "return to schedule."
Punctured in detail
But it often happens that the spending is predicted, but there is still not enough money. We begin to remember frantically what is wrong. Remember the words of the cheerful children's song: "If there's a little board, two boards, there'll be a ladder, just a word, two words - there'll be a song"? Here it is: one chewing gum is nonsense, and a couple of chewing gum, chocolate, cookies and a soda bottle are already 40- 50 hryvnias.We give money for small things without thinking, and here one more important psychological moment works.The price of a small thing (chewing gum, chocolate) seems to us lower than it actually is.We buy quite easily new mobile phones. And a hundred times think before you buy, for example, n The new chest of drawers in the bedroom - by the way, is cheaper than the cell phone.
Just a chest of drawers - it's like a big one, but a mobile phone ... Manufacturers know this psyche feature and successfully use it - when buying a small thing, think ten times, do you need a new suspension phone Yes, here for these 40-50 hryvnas, which, incidentally, you can buy a package of diapers, or a few kilograms of apples, or a couple of good magazines. To understand where the money goes, you will have to track your own expenses for at least a month. Returned from the supermarket - put a check in a special daddy or write down your expenses in a notebook with "home accounting." Or keep a diary of costs on one of the Internet resources (just type in the search engine "home accountant" - and choose the most convenient site for you). At the end of the month, you can actually see how much of your income went to food, how much - to entertainment, how much - to travel or pay for utilities. Very sobering.
- At first, I thought: I'll quit this lesson in a couple of days, - Elena recalls, mother of two children, - but I'm terribly sick of last week before my husband and I have to sit on macaroni and drink tea without cookies. I knew it was my fault. And I decided: for a month I will be sure. Now it's been six months, and I still keep a list of expenses. It was such an exciting game! By the way, already in the first days I began to spend much less: the idea of what would have to be included in the costs of a randomly purchased plastic bracelet or a cup of coffee in a supermarket cafe immediately stopped the hand. stretching for the purse. Why should I drink coffee in the store if I'm home in 15 minutes? And do I need a bracelet for 30 hryvnia? Well, when I began to analyze, I found out that the lion's share of income was spent on such meaningless purchases. We are already taught to the constant "I want to buy." Now we are trying to explain to them that money is the final product and it is necessary to dispose of them with the mind.Of course, there have been no tears, but we are holding in. Let the boys in the childhood learn to spend money better , than adults will constantly step on the same rake.
No frames!
It's good when money is spent in the family "in a united front." And if one is an obvious spender, and the second is skuperdyay? If it's important for one to purchase a new blouse every month, and to the second, a new stuffing for the computer? is solved simply - it is enough just to allow yourself to go "beyond the bounds of decency". Tell me, why do you have a common purse with your husband? It's uncomfortable for you or him. But this is accepted, therefore, every month he completely gives you his salary (while, of course, leaving himself a secret stash), and you, having planned all the spending, in the middle of the month, suddenly encounter a reinforced concrete: "I'll take your hryvnia 50 - on the anniversary of San Sanych. "So why do you need a" common pot "? Allow yourself to live the way that is convenient for you!
For example, you can establish this procedure: every month, your husband gives you a portion of his salary for utility costs, the purchase of food and spending on children (if, of course, you shop and pay bills). The rest of his salary remains with him. But now the husband himself is worried about pouring gasoline into the car, buying a new fishing rod or sitting with friends in a bar. You have in your hands a solid amount, from which no one will suddenly demand a penny. And you can spend part of your salary, not invested in the common purchase of products, on yourself, in no way reporting to your husband.
In the family of my friends, expenses are generally divided: the husband from his salary pays utility bills and clothes, the wife spends her money on food. On trips and large expenses, both set aside the same amount for a joint account - and everyone is happy. Talk to your husband - this is perhaps the most effective advice. Offer your options, listen to it. After all, harmony in the family is more important than all money. And it will not be until one of the spouses feels that his interests are being infringed. "I can not spend money organically," sighed Anna, "and I made a decision: I give my entire salary to my husband. On the way home, he visits a supermarket, buys food. He already knows what I need to prepare dinner. My friends say to me: "How can you live without money?" And I'm completely happy! My beloved saved me from the need to worry: we go with him to the store - he pays my blouses and skirts (or discourages to buy a tenth skirt), leads me to a cafe - at such moments I feel like a princess! The most important is that both are comfortable, and then money will always suffice for everything.