How many earn – there is not enough money all the same. Many of us will agree with this statement. But, it appears, competently planning the family budget, it is possible to leave forever in the past a situation when some days before salary it is necessary to eat cubes and instant noodles. So, let's take these seven steps to stability of your budget.
It is required to you
- - Notebook;
- - Handle;
- - Calculator.
Instruction
1. Enter record of all your expenses into a habit. At this stage you analyze the expenditure, compare with income and draw conclusions.
2. Find a reserve for economy. Any family budget is spent in three directions: - Obligatory payments (taxes, payment of utilities, education of children) - Operating costs (food, transport, clothes, mobile communication) - Spare cash (entertainments, rest, gifts, guests) it is possible to Cut down costs on any of these points. For example, having warmed the apartment it is possible to save on obligatory expenses. To spend it will turn out one food less if not to go to supermarket to a hungry stomach and to have at itself the list of products which need to be bought.
3. You do not carry a lot of money in a purse, otherwise the temptation appears to buy everything. In day of receiving salary to the person it is especially peculiar to spend much. Try to determine for yourself that sum which monthly has to leave for daily needs: lunch, road, different trifles. Divide it on the number of days. The sum which you have to keep within in a day turns out. And if in one of days you spent too much of it, then next day it is necessary to refuse something.
4. Make two lists, in the first bring things which you are not going to refuse (the balanced food, gifts to the family), and in the second what you will be able to save on (more rare to use the taxi, to spend less for cosmetics).
5. Get a separate purse for a trifle. Pour small coins there, without recalculating. Sometime this "bank" will great help out you.
6. Analyze expenses. Count what item of expenditure absorbs many means, perhaps, these are visits of restaurant, and not a kidswear at all.
7. Put unexpectedly formed "excess" money in bank or mutual fund. Let will work on you, after a while you will feel effect of such investment. Not without reason say: not that at whom there is a lot of money, and the one who has enough them is rich. Treat money with attention, and will be enough for you.