If you can’t learn how to optimize your income and expenses, you’re used to living on credit and can’t raise the required amount, then you should try to start home accounting. At first, you may think that this is a waste of time, because you will no longer have money from this. But few people think that accurate accounting of all expenses often helps to reduce them.
Accounting software
If conflicts arise over and over in your family over money, then you should seriously think about how to calculate expenses and incomes. Of course, all entries can be made in a notebook or notepad, but this will not allow you to clearly see how much money goes to. It is much more convenient to use special programs. If you do not want to deal with their capabilities, then try to start keeping a home budget in Excel.
By the way, do not underestimate this program: in it you can not only record your expenses, calculate them, group them in a way convenient for you, but also build a chart or graph on which you can see where all the money earned went. You should not look for ready-made tables for accounting - it is unlikely that the scheme created by someone will be convenient for you. Spend a few minutes and make it what you need.
For example, maintaining a home budget can be placed in a regular 3-column label, where you will indicate the income received, expenses incurred and summarize the total amount. But this is not too convenient and obvious, it is better to distinguish between items of expenditure, where in separate categories to place products,
utility bills, clothes, entertainment, spending on a car, rent, loans. You can also divide income: do not forget to take into account unforeseen income, interest on deposits and others.
Special programs for accounting
If you do not want to reinvent the wheel and tricky over tables, then you can download one of the programs that allows you to keep your home budget as comfortable as possible. Some of them are offered absolutely free of charge, others require payment for their downloading and further use. So, you can set yourself “Home Auditor”, “Home Bookkeeping”, “Family”, “Zhadyuga”, “Family Wallet” or some other program, there are dozens of different options.
When choosing, carefully read the description proposed by the developer, but do not disregard the user reviews of the program you like. Only those who have already tried keeping a home budget with its help can tell if it is convenient.
Required features
You must agree that you can write down your income and expenses on a leaflet, so more serious requirements should be imposed on the program. So, you should not only have the opportunity to make all the expenses, but also group them, build graphs in order to visually see the movement of funds. It is also advisable that the program for maintaining the home budget supports the possibility of entering information about deposits and loans, automatically accrues interest in the way you specified and adds them to the corresponding article.
It is very convenient if the program will have a “reminder” function. So, with its help, you will not forget to pay bills on time, reissue a deposit or pay off a loan. It is also worth paying attention to the application interface, with which you want to optimize your home budget. You will have to open it almost every day, so the kind of program should attract you.