Recently, more and more people are trying to plan their budget. No wonder. With the rise in prices for essential goods and medicines, a person learns to save on something and limit his expenses. This article will tell you about what you should not allow when planning your family budget. You will find out the basic rules and conditions that you must adhere to.
What should not be allowed when planning a family budget?
There are several unspoken rules that you need to adhere to when creating a monthly plan. Most people know them clearly. However, not everyone takes into account that family budget planning involves some prohibitions. Below you will get acquainted with the main points of the plan.
First rule: unaccounted income
What should not be allowed when planning a family budget is that everyone is responsible for their income and expenses. If you are a family, then all your savings should be taken into account.
Many families in the modern world live by the rule: my salary is my expenses. It is not right. With this motto, you can never plan your family budget correctly and efficiently.
The second rule: income cannot be less than expense
Financial planning of the family budget involves limiting expenses for revenue growth. Currently, there are many temptations that spend a lot of money. For example, entertainment, travel, shopping and so on. You can’t afford anything you want. Try to limit your desires. Only in this case will your income begin to significantly exceed expenses.
The third rule: do not spend all the money
What should not be allowed when planning a family budget yet? Learn to prioritize so that you always have some of the money left. It's not about millions or hundreds of thousands. It is possible to save several thousand rubles every month. The only exceptions are those cases when funds were needed urgently (during an illness, in case of breakdown of household appliances, and so on).
Fourth rule: the importance of points cannot be ignored
When you have compiled a basic list of expenses for the next month, you need to evaluate it sensibly. In the first place in the costs should be listed fees for the apartment and utilities. After this come food and essentials. And only if you have extra money left, can you spend it on something not so necessary, but pleasant. In this case, the third rule should always be followed.
The fifth rule: you can’t completely limit yourself
Allow yourself at least sometimes to spend a small amount on what you really want. Constant restriction will not lead you to anything good. It is not a matter of using up all available savings. Perhaps you have been throwing about travel for a long time and know that you have money for it. Get yourself a vacation once a year. Go wherever you want. You need to pamper yourself for the proper maintenance of the family budget.
Sixth rule: do not make all decisions yourself
When planning expenses for the near future, you need to take into account the desires and needs of all family members. In this case, do not forget to prioritize. Remember that interchangeable shoes for school for a son are much more important than a toy for a daughter. Consult your family when compiling your shopping and spending list. Only then proceed with filling out the list or table. Such a move will help you get the maximum benefit and make the right decision when planning your family budget.
Summarizing
Now you know what absolutely can not be done when compiling a list of expenses. Sample family budget planning (table) is presented in this article. Check out and create your own cost management plan for a specific time period. Try to save, but don't be too stingy. Remember that money is just paper. There are more valuable things in the world. Good luck with your family budget and productive planning!