We plan a family budget

Before the salary is still far away, but no money? So you do not know how to plan the budget. Accounting for coming and consumption of funds will help to identify black smoke in the family cash. Learn how to plan a budget

Almost always with the advent of a new family there is a need for family budget planning. It is very important that all family income and expenses in sight. To date, there are many different programs and tables on accounting and planning.

This question is worried about many when you seem to earn and earn good things, and the money is as if drunk out of the wallet. And where exactly – it remains an eternal question.

The most important thing when planning a family budget is to establish the number of expenses that occur within a certain period of time. After all, very often alleged expenses are fundamentally different from real. How to take all this?

Learn to plan family budget by taking into account all expenses, picking checks and t.D. – this is quite painstaking work. And if you have never done this in life, even when you make a maximum effort, in a couple of weeks, you will begin to be lazy, forget about it and skip. As a result, you will not even come up before budget planning and do not take into account, what is your actions are not true.

The figures are essentially given anything, therefore, it is most important to put a few questions in front of them.

Questions can be approximately:

• How many tools I go to daily expenses? Is there too much i’m spending? If you try to reduce these costs, will it be enough for me to invest, rest, learning or some major acquisition? Or it will be necessary to look for additional funds?
• For what period of time I can postpone funds for the initial contribution to your own housing? If the term is very big, then what should be the income to cut it?
• What amount of money is needed on regular monthly spending, such as the Internet, utilities, food and other.

If the cash is constantly lacking until the next salary and falls at the end of the month, it is constantly saving or reloading, this suggests that the lack of a reserve is caused by the wrong distribution of funds at the beginning of the month or the total lack of distribution. Need to learn to constantly plan waste.

What you need to consider when planning the finance of the family?

Let’s figure out how to plan a family budget.

You need to fix the following information:

• Approximate data on the earnings received and its ratio with expenses;
• Upcoming events that require additional expenses, such as birthdays, vacation, loans, tax payments, etc.;
• Seasonality also affects the number of expenses, because before the holidays the cost of products in stores increases significantly and in the autumn-winter period the cost of clothing is much higher.

Correctly plan the amount of waste from the first time you will not definitely do. It is important to go wrong and by all means to fulfill its financial plan. When it finally starts to get from you, and this will happen only when you learn to control your desires, financial life will greatly ease.

At the same time, there will be a need to resort to loans or loans that take away the lion’s share of your not received salary. Excess finances will be allowed to invest, as a result of what income will increase.

You will no longer perform rampant and spontaneous purchases. Many people, due to the weakness of nature, did not teach themselves to discipline initially, so they simply float within.

However, sooner or later, you need to think about how to plan the family financial budget correctly and thereby achieve financial success, not depend on the employer or parents, moreover, have an additional source of income in the form of interest on investments that are created after the proper budget distribution per month.

When we plan a family budget for a month, it must remain a free amount, which will be called «Amount of accumulation». Every month the amount should increase and the funds must necessarily make each working family member.

Sometimes there are unforeseen circumstances when without loan is simply impossible to do. Here’s just in such a situation, funds can be taken from that very «Amount of accumulation», But it will be necessary to return them to the place in the shortest possible time and with interest, as if you took money on a bank loan.

When we plan a family budget for each month In order to better control your daily expenses, you can calculate the amount of monthly income and distribute it on the number of days. As a result, it turns out the amount that can be sweeping in one day without fears.

In the event that the amount spent has become more planned, the next day you need to restore the balance, that is, do without expenses.

In no case cannot save on everything, there are things for which it is necessary to spend a certain amount of funds – this is a full nutrition, recreation and education. In addition, it is important from time to time to analyze family spending. Perhaps they have something that can be removed or, on the contrary, add.

So, many make a lot of discoveries for themselves, finding that a decent amount of money goes to such things, without which it is quite possible to do: chewing gum, sweets, cigarettes, alcohol, cafe, fast foods and t.D.

How to make a table of family budget correctly

Using the family budget table greatly facilitates calculations. As a result, it will be easier to distribute finances for a month. What must necessarily enter the family budget table?

First of all, these are income and spreads of the family, as well as those tools that you plan to postpone. These three items will need to expand, breaking on subparagraphs. Total to predict is impossible, so it would be nice to have a reserve fund.

The very first and important thing to do is get rid of credit cards and debts. They are tightened into the abyss hopelessness. 20% of the total income must be kept or investing and in no way spend this money. Soon you will realize that it is quite possible to meet the remaining 80%.

It is very important to first postpone 20%, and then start spending. Otherwise it may be so that at the end of the month there is nothing at all will postpone. If 20% for you is too much amount, you can start with 10% or even 5%, in order to create a reserve family fund.

In order for finance to be in a balanced state, 50% of expenses should be food, Internet, mobile communications, transport and main clothes. 30% can be left on such expenses as hiking in a restaurant, decoration, books, hobbies.

And the remaining 20% ​​is that indefinite stock. No matter how you decide to plan your family budget, The table must be drawn up in approximately the percentage ratio.

Basic Rules

Remember what is the main reason, forced you to conduct a family budget. It may be desire to reduce costs or spend less than making money. You must have a goal to which you will go, in no way.

Accurate accounting and cost of expenses and income will provide an opportunity to be confident in the correctness of the figures when conducting family budget calculations.

In order for you to confident in the formation of a family reserve fund, you can open a savings account for postponement of cash or even a deposit without the possibility of removal.

Be more realistic and not to make such plans that you in principle are not able to perform. It is better to start with a small one, and then everything will be able to.

Puting a small realistic goal, you will, so you can motivate yourself to more global accomplishments. Good luck to you in all endeavors!