Budget – it's mainly cash plan defining your financial goals. With a budget, you can define and manage their income and expenses, to put their financial goals and achieve them, and to take deliberate decide exactly how your family finances can bring you a favor. The main idea in drawing up the family budget is to set aside a certain sum of money as expected and the unexpected costs. Simply put, planning the family budget involves counting the monthly household expenses, building on previous expenses and bills. The first step to budgeting – to determine at what time you usually enough of your last income (salary). Calculate fixed costs such as utilities, rent for an apartment (if you're shooting), car maintenance, insurance premiums and so on.
Similarly, shall describe fully all of your expenses over the last month, so you can discover and understand where your money goes. Thanks to the precise definition of all its "expenditure", you can immediately take action for the effective preparation of the family budget. Then you can evaluate the other costs and deduct them from the rest of their income. The balance that remained after fixed costs can now be your "home budget economy "or" family budget ". Instead of distributing the money in absolute terms for all sorts of expenses such as utilities, food, clothing and entertainment, financial planning will allow you to use this percentage of revenue. The strategic decision to produce a good budget – inflexibility and, simultaneously, flexibility, there are fixed costs, which payment must be inflexible part of your family budget.
The balance of funds can be used each time in different ways – a flexible portion of the budget. Drawing up a family budget will do best when it is very rare assumptions made about a considerable scope. The idea here is to articulate your financial goals and plans and then stick to them as much as you can. Here are a few tips on compiling a family budget: 1. Use common sense when managing money. A significant factor is your attitude to budgeting. Realize the importance of reducing costs for the family budget and speak with members of your family about it, otherwise unlimited spending will lead to large losses. 2. Plan your financial situation. Sostavte list of two columns: record your earnings on the one hand and operating costs – the other side. 3. Recognize the difference between luxury and potrebnostyami.Perechislite all the luxuries that you attach great importance to reduce their number by half by removing half of the list. 4. Practice frugality but with dignity. You can have fun spending a little or nothing. Instead of shopping and making rash purchases for fun, play with children on the beach, in the woods or in the park (depending on the conditions of your area). Drawing up a family budget – an effective and fundamental tool that is easily accessible to everyone. Think about what benefits you can get from its use.