Planning of the family budget

Everyone knows the fact that money likes to score. It is very important not only to be able to save and limit yourself, but also simply plan the budget. At first glance, this seems like a fairly simple task: to postpone a certain amount, draw up a plan for its expenditure, and not deviate from this plan. Of course, it's easier to control your expenses, if you live alone, planning a family budget requires more effort and time.

So, before you is the task to distribute the budget in such a way that it is enough to repay the loan, pay for the kindergarten, food, purchase of outerwear and household appliances, and remained on the "rainy day." Agree, it is rather difficult to remember all these tasks and manage to spend money rationally.

Planning a family budget is a serious thing, which requires the right approach. Otherwise, without proper control, the funds can be spent on things that you are essentially completely unnecessary, for entertainment and unreasonable purchases. In this regard, you can not buy the really necessary thing.

Nowadays, there are many computer programs that help you plan your family budget as quickly and easily as possible. For example, "Home Accounting". This program will automatically make mistakes on the entered data. With the help of electronic home accounting you will be able to monitor debts, sum up the results for a certain time, keep records of income and expenses, plan loan expenses, etc.

According to the research of American scientists, the greatest amount of money is spent on food, with 30% of food from your refrigerator sent to the trash. This is due to the fact that families who buy food for a week do not have time to eat everything and products spoil. That is why planning a diet for a week for a large family is simply necessary. Every economist remembers what he bought and why.

The family budget, whose planning usually falls on the shoulders of a woman, requires scrupulous calculations and much attention. Sometimes people do not notice how they spend large sums of money on such things as household chemicals, cosmetics, products from supermarkets. Budget planning requires a cold mind and mathematical thinking. Do not overlook the small details, forget about such expenses as going to the cinema, cafe, buying glossy magazines, etc. The most economical families have long been acquiring industrial and food products at wholesale warehouses, so you can save up to 50% of the budget.

Also worth mentioning is that often we purchase products imposed by advertising. Having seen this or that product on TV or on the Internet, you immediately run to the shopping center for a novelty. And the most important waste of all women is seasonal sales, during which all shopaholics completely forget that they control the family budget, and embark on all the heavy ones.

If you want to not only master the planning of the family budget, but also learn how to save, remember a few simple rules:

• Give all your debts to your friends and acquaintances, never borrow money;
• Destroy all credit cards on which there is no limit;
• Postpone part of the salary (up to 20%);
• Distribute the budget in such a way that 50% you can spend on necessary expenses, 30% on desired things and entertainment, 20% on debt repayment, savings.

In order to simplify your task, you can create a few envelopes, which detail what the money that is in them is to be spent. For example, the first envelope is intended for personal needs, the second for mandatory expenses (utilities, credit, internet, telephone, etc.), the third for unforeseen expenses, the fourth for desired expenses (clothing, entertainment), etc. .

Planning a family budget is not the most fun, but necessary. If you want your family to always have money, and you could not deny yourself anything, you need a plan.