"The Council and Love! "," Live long and prosper '- the main wedding toast, as an option: "We wish the family well-being and prosperity! ". "Children are you more! "- Be sure to attend to the continuation of any kind of second cousin aunt Sima.
Designation of tactics and strategy of the family economy is largely confined to the distribution of responsibilities in the game (with a mandatory option "Money to spend I will!") And a playful struggle between mother-in-law and for the right to provide nursing or grandchildren financially (attributes are the sliders and denezhka).
For information on how to planfamily financesAnd even more so, how to save it, any advice is not usually heard. And in vain, because after a couple of days this question comes to the fore, and the couple unprepared when faced with a problem can suddenly forget all the joy of the wedding, simultaneously with the joys of family life.
Even with good earnings of both spouses, but in the absence of an overall strategy, they risk find that they literally have nothing to live and carry on the family farm. To this did not happen and you need to masterplanning the family budget.
Of what constitutes a family budget
In the close-knit family with a steady income the most viable option -joint budget. This means that after receiving the money wages are added together, and even from these general means you will distribute them to expenditure.
If for each family member an important point is at least partial preservation of the independence, you'll like versionshare of the budget. That is, each of the spouses' otzhaleet "on family needs exactly half of their income.
In this case, items of expenditure in the planning will be a few others. In particular, the point of buying cigarettes, lipstick or anything else that personal belongings will not be made there - you do this article for personal expenses and profinansiruete from the remaining half of the money you have.
Idyllic option -the entire contents family of one spouse who earns very well. Then yourfamily finances - Is his salary, and your personal money will you "to pin" and other pleasures.
There is also an optionseparate budget. This is such a scheme, when in fact no one adds, but simply defined items for which always pays one spouse and for which - the second. In this case, all the personal finances are in undivided personal use and, except as provided by articles spent by the owner.
To the west isplanning the family budget practiced often enough, we have, I think, this will be difficult. As psychologists say, was to blame the notorious mentality.
So, choose the option, put all the money into a handful (literally or, preferably, as a record total family income on paper) and proceed to the distribution.
Planning for the family budget: about flies and cutlets
Actually, the main strategy is to correctly and clearly identify items of expenditure, as they say, flies - separately, burgers - separately.
"Cutlets" our case, these are the main article, the size of the cost of which is known and does not change from month to month. So one of the first items to be utilities, mandatory payments on loans, kindergarten or circle for the child, etc.
Another point is to take into account the transport costs (travel, gas for the car).
Be sure to take into account also the holidays and birthdays, because something happens literally every month.
Planning a family budget would not be complete without the article "accumulation". This item is a must add to the list, denoting an amount equal to 10-20% of the total budget.
Thus, each month you will postpone some money, then you can spend on buying a big thing, a trip to rest, to postpone for a child's education. However, education is possible to get a bank account, then replenish your list one more article compulsory contributions.
Did you come up with any more required items, the main thing - do not miss out, otherwise all the work will come to nothing.
Now for the "flies". Ironically, burgers, in the literal sense of the word, in this case, refer to the "flies". It would be the items that are difficult to calculate in advance. For example, you guessed it, food. There also we put household chemicals and other necessary purchases in the economy.
Another item we write the entertainment, trips to the hairdresser, etc. And in the end we assign the item "Other", which you will send the money for unforeseen expenses.
So, the plan is, it's time to distribute the funds.
Planning for the family budget: distribute the money
Pundits of the Economy and Finance Council shall distribute the funds in such a simple way:
60% - basic expenses, food and monthly household expenses;
10% - savings that will be spent on major purchases or travel;
10% - accumulation with further prospects (accounts for education, retirement, and so on. N.);
10% - fun and enjoyment;
10% - is different, unforeseen expenses.
In fact, there are many schemes and programs for which you can masterplanning the family budget. There are even programs on the Internet that make it easy to conduct home accounting and calculate expenses.
What we have looked at now - only one of the options, the most intuitive and simple.
Also you can find another way to percentage distribution of funds, if you, for example, have their own business, and you have to pay a monthly or quarterly taxes.
And finally, for those who are more or less coping with a monthly distribution of money may be interested in making a variant of the family budget for the year.
Planning a family budgetOf course, a necessary and very useful. It certainly helps to avoid many problems, and does not allow you to stay hungry at the end of the month.
But sometimes there are times when a little planning and you have to tighten their belts.
And then the question becomes relevant on how to save the family budget.
How to save the family budget
Popular wisdom says: "propyl vodka on matches not save." In a "combed" version thought would sound like if you happen to make a major purchase, virtually siphoned planning the family budget to zero, it is useless to take half-measures, in the form of savings on the purchase of handkerchiefs or another kind of toilet paper.
The main thing is to understand what isfamily budget have to go, so to speak globally, that is, to cut costs in all possible respects.
It is clear that reduce the amount of the payment of insurance, kindergarten or school lunches, we could on their own can not. Unsubscribe from data services - is not an option.
But to significantly reduce payments for utilities can completely. For example, this invention is greatly facilitates the task of water meters. Of course, if they do not, put the device in such a spirited time as a period of total economy, will not succeed.
But the switch to energy saving light bulbs you are quite capable. In the first month counter reiterated the commitment of your choice.
The main concern when it comes tofamily budgetCauses for the cost of food. And then there are a few techniques that, according to experts, can help you. For example, it is recommended to give up the habit always something to chew (chewing call it a modest word "bite"). This way you can save not only money, but also gain a slender figure.
Also, a large part of the money-consuming institutions catering. This is especially true for those families where taken regularly have lunch or dinner out. Cooking in your own kitchen is much cheaper.
Have to give up for a while from some delicacies, but nothing can be done, so it is necessary. In the end, the more serious you come to the question of the family budget, the faster your financial affairs will improve, and you'll be able to enjoy your favorite dishes.
You can buy products not only in high-end supermarkets, but at wholesale depots and retail and wholesale stores - is another discovery that you have to do if you are serious about saving.
Fashion, of course, also a decent item of expenditure. Well at least that change clothes we do not need every month. During the savings will be useful to give up the habit to look in the shop every day after work and buy their own T-shirt "just for fun". Hard, but this is the strategyfamily budget.
As for when buying clothes is needed here for saving specialists advise you to pay attention to the cheap stuff their collections last season. They are not inferior in quality to the clothes you used to wear, unless you're a bit of pootstanete "fashion wave."
If good deal of thought, you can find lots of possible answers to the question,how to save the family budget. For this suit cost reduction on mobile communications, transport and much more. The main thing to remember that the total savings - a temporary measure, and soon everything will work out.
However, because of this situation can be taken and very useful lesson, in particular, to learn how to cut costs where it can be done easily.
Then, atfamily budget planningYou may notice that easily save more money on entertainment or unexpected expenses that will help you avoid disasters in the next time.
Alexander Panyutin
Women's magazine JustLady