Like all pleasant things, money tends to run out. Many families, at best, a few days before their expected salary find that the wallet is empty. How to learn how to competently spend money and live within our means? How to plan your home budget to always stay in the black?
We develop the right attitude to money
In fact, the life of a rich person is not much different from the existence of a poor person. Does this judgment seem implausible to you? Imagine that your monthly income will double, what will you spend a lot of money "falling from the sky" on? The vast majority of consumers in a similar situation (for example, when moving to a more prestigious position) begins to acquire the necessary and familiar things higher than the previous ones. In other words, you will most likely have branded clothing that resembles available quality, jewelry with a large mass, a cell phone and a computer with more well-developed brands. All this is not bad, but does it make sense if your household needs can satisfy your existing income? This example helps us derive the first rule on how to plan your home budget: make plans for available income.
We draw up financial plans and draw tables
There is a fairly simple way that allows you to not be left without money. To do this, you need to calculate the total amount of all fixed monthly payments. This includes the cost of utilities, rental housing, if any, children's education and so on. With a little practice, you will understand how to keep a home budget, and filling out expense tables will not be difficult at all. We get wages for a month, set aside the calculated amount of money. The remaining funds are divided by the number of days until the next replenishment of income. As a result, we get the amount acceptable for daily expenses. For clarity, you can exchange money and put it in separate envelopes, putting down the dates. If the entire amount has not been spent during the day, you can buy something nice or postpone it.
How to plan your home budget and save?
Aerobatics in the management of the economy is to bring home accounting to the level of industrial accuracy. In this case, you will need a table of the home budget, in which you will enter a detailed
procurement plan. Try to calculate how much you will need food, household chemicals and other household supplies for a week, then feel free to go to the wholesale center and save. Do not forget to include
budget expenses for transportation, meals outside the home and entertainment. If your family income is average, you may have to save up for some major purchases. This is not difficult at all, enter an additional monthly payment for yourself and save money for the desired acquisition.
Now you know how to plan your home budget, but it is worth considering another important point: a certain amount of savings should be in any family. Even if you are not going to buy something large or make repairs, there should be a margin. No one knows what will happen tomorrow, maybe you will be fired from work, or you will need money to repair a car. And if you still do not have this reserve, you need to urgently create a certain amount of savings, which you will replenish if necessary.