In each family there is a question of economy and reasonable expenditure of means sooner or later. There is it, as a rule, when the married couple thinks where money from a purse and a pocket so quickly flows away. Approximate calculations how many in a month leaves on food, rest and daily needs, as a rule, come to an end with purchase of a large-size thing. And then it is necessary only to count the remains of luxury and to wait for new salary. That it did not occur it is necessary to put a financial question in order. The planning method will help with it.
Planning of the house budget should be begun with calculation of all income of family. Then it is worth writing out on what expenses leave. As a rule, this point pays off in four directions:
- paramount expenses: payment of bills, the credits, utilities and a payment for training in child care facilities. This item of expenditure almost always remains to a constant;
- main expenses: food, drugs, clothes, payment of transport, phone, Internet and trivial pocket expenses;
- savings: here means which are provided against a rainy day, large purchases or a holiday belong;
- free expenses: entertainments, gifts and receptions of guests.
Practically all family expenses can keep within these four points. Beginning planning of the budget of family, it is worth getting acquainted with methods of maintaining this budget. Someone can write down in the old manner everything in a notebook, and it will be more convenient to someone to use the document Excel, or the special program. To choose an optimal variant it is necessary to get acquainted with all these ways.
Methods of planning of the budget
There are schemes, brilliant on the simplicity, which allow not only to plan the family budget, but also to develop a financial habit. Let's consider three most effective methods.
- Scheme from Andrew Tobias, the author of the book "The Only Guide to Investment Which Can Ever Be Necessary for You". Consists of three steps:
- get clear of debts and all credits that you have;
- invest or lay off 20% of the income for the personal account (this money has to be inviolable);
- live happily for the remained 80%.
- The method which is also consisting of three steps. You divide total income into three parts:
- Lay off 20% for savings accounts;
- Spend 30% of income for the fact that you will wish (a hobby, clothes, the Internet, rest and entertainments);
- Spend 50% for primary things (products, payment of bills, transport, etc.).
- Method from Richard Jenkins, the author of articles of the website MSN Money. He suggests to divide income into 5 parts:
- 60% are operating costs
- 10% are pension savings
- 10% are long-term purchases and various payments (credits, payment by installments, etc.)
- 10% are irregular pocket expenses
- 10% - rest and entertainments.
After you are defined what method will adhere, get to yourself a notebook, the file, or the program of maintaining the budget of family. Planning the expenses, do not forget about such holidays as on May 9, Easter, New year and birthdays significant to you people. It should be taken into account also seasonal increase in prices for some goods. The best minimum term for planning is month. Your table of planning of the family budget for a month can look approximately so:
Apparently from the table the family budget goes to minus. For this reason authors of methods of planning strongly recommend to stock up with means for secure. Your plan for month has to be the most detailed. Consider each trifle and each kopek. This simple rule will allow you to find financial stability quicker. And then your table will take the same form, as well as the following example of planning of the budget of family:
When accounting total income and expenses do not forget about such important detail as planning of the personal budget. Each family member has to have money which he will spend for the discretion and to anybody without reporting for the expenses. It can be absolutely small sum which you also have to enter in the table at monthly planning. Having found skills of planning of the family budget, you gradually learn to fix this sum and to spend means without prejudice to family and the plans for life. And reduction of unreasoned purchases and an opportunity will be one of your most valuable acquisitions, without worrying whether there is a kopek in a pocket, to do surprises to people close to you.
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