A family budget is a financial plan that defines all the income and expenses of a family. How to create a family budget, so that everything is enough, it turned out to save and save money and at the same time not to refuse anything? It turns out this is not as difficult as it may seem at first glance. The main thing is not to be frivolous, but to plan everything diligently and carefully.
You can keep a special table of your family budget, do it in the form of lists, or use special computer programs, a kind of home bookkeeping. But it doesn’t matter how you do it, you will succeed if you follow the following recommendations:
Item income.
Write down all your family income, your salary and your spouse, additional income and passive earnings. Perhaps you get any benefits. Write down everything in this list; you must clearly understand how much money you have in order to manage this money wisely.
Item of expenditure.
This list includes such items as utility payments, car insurance, payments for loans and liabilities, kindergarten or school payments, food, hygiene supplies, household chemicals, and things. This list should contain everything that you spend money on, even if you think the purchase is insignificant.
Fixed costs.
These are monthly payments. As a rule, these payments have a fixed amount of money. For example, the size of a monthly loan payment is 2500 rubles. Also with utility costs, pay for internet and television and so on.
Volatile costs.
This is entertainment, buying clothes, food. Make a few lists that will help you when planning a trip to the store. For example, in the list of "Products" include those products that you use for cooking, ranging from seasonings and spices to meat, vegetables and fruits.
The same applies to hygiene items and household chemicals. After you make these lists, you can go through them and determine what, for example, ends, what you need to buy and, thus, economically and reasonably plan your purchases in the store. Now you will not forget to buy anything and you will know how much to expect.
Health.
Particular attention should be paid to the point of health. If you carefully monitor your health, then you will not be difficult to reasonably draw up a family budget. For example, you already know that next month you need to visit a doctor, the consultation costs 550 rubles, and this month you need to visit a pediatric dentist with a child, let's say it is 300 rubles. A visit to the doctor, especially if it is paid, should also be reflected in your "expenses".
Large purchases.
Such purchases as home furniture or, for example, repairs, of course, need to be planned and for this you need to save and save money. To do this, every month from each salary simply “hold” 10% of the total amount. Thus, you can roughly determine not only the amount, but also the time during which you will be able to save money and make the desired purchase. You can also save for a family vacation or a trip. This will absolutely not affect the quality of your life, because 10% is not such a large amount.
But it is not enough just to draw up a family budget, we must constantly work with it, supplement it and edit it. And also learn to save and use your financial resources rationally. Then you will have enough money for everything, even for the fact that you have not had time to plan it yet. And most importantly, when there are no financial problems in the family, and there is stability, the family is harmonious and happy, because family well-being still depends on the financial component.
