The real councils prompting as it is possible to save the family budget, enjoy wide popularity in connection with a negative situation in world economy today. These recommendations help to minimize daily expenditure and to stabilize a financial situation in family.
How it is correct to plan the family budget?
Economy of the family budget begins with its planning. To make it it is competent, it is necessary to consider several main aspects:
- sources of the family budget are income of which the budget of family is formed;
- type of the economic relations in family – separate (each family member spends only the means), joint (each family member invests in the general moneybox and has an opportunity from it to spend) or share (family members invest on housekeeping in proportion to the income, and other means spend);
- planning of expenditure – daily, monthly, quarter and annual, taking into account preservation of a part of income on bank deposits and also payments of the large credits for purchase of the apartment, the car if they were taken.
What it is possible to save the family budget on?
Councils for economy of the family budget are counted on reduction of its account part. The first on what is possible and it is necessary to save – utility payments. This item of expenditure can be reduced considerably if to put counters since the established norms considerably exceed a real expense. Besides, the fact of installation of the counter promotes more economical expenditure of resources that, undoubtedly, will perfectly affect reduction of payments.
If in family there is a car, it considerably facilitates a purse, however and it is possible to save on this article. The car needs to be contained in perfect tune since any malfunction increases fuel consumption and increases the probability of untimely breakage which repair will cost very much.
Skilled motorists give such real advice how to save the family budget on the car:
- use the checked refueling, services, sinks, it is desirable for a darkness which give discount or accumulative cards;
- if there is an opportunity, put the gas, diesel or bitoplivny engine since trips on gas and diesel fuel are cheaper on a car;
- change a car in 3 years – operation of the old car is unprofitable;
- in due time replace oil, antifreeze, check pressure in tires and a running gear – any otkhozhdeniye from a hole increases fuel consumption by 10-20%;
- practice the correct manner of driving: you do not press constantly on gas and do not reduce too turns – all this leads to increase in fuel consumption.
What it is possible to save the family budget on?
- If family members daily use public transport, it is necessary to get travel cards.
- Costs of cellular communication will become less if all family uses services of one operator, besides, some operators offer free packages for members of one family.
- To be spent less for treatment, it is necessary to lead a healthy lifestyle and in time to undergo professional surveys and medical examination.
- It is possible to lower costs of food if to eat homemade food which is desirable for hiring even. The refusal of semi-finished products and fast food reduces costs of 40-50%, and only one visit of cafe or restaurant can be equivalent to the monthly budget on food.
- The clothes and many manufactured goods can be bought in online stores where they are much cheaper. Today very many online stores practice free shipping and cumulative discounts that also reduces the cost of goods.
- At frequentation of the same shops it is necessary to buy discount cards which save up to 20% of purchase.