To compile the family budget is necessary to have a special notebook, where he will be recorded all costs. First you need to write down all of the planned income, including interest on deposits.
Then you need to do preparation of expenditure and payments. Special attention should be paid to mandatory payments, ie those from whom you refuse not work. These include utility payments, payments for kindergarten credit payments.
Then you need to make a list of unnecessary expenses, that is, those that can be reduced or even abandon them. It will include the purchase of food, detergents, and other entertainment.
Then you can immediately start planning. Or you can leave a week old habits, do not forget to write down all expenses in a notebook. The second option is preferable, because after a few days you will be able to see how the money is spent on unnecessary things. Counting the amount that could be saved, will be the best motivation for doing the budget.
When planning a budget, you need to write in a notebook the amount you plan to spend in a given month on each item. If the amount of income is less than the sum of the estimated expenditure, the list should be reconsidered. In this case it is necessary to reduce the amount of unnecessary costs to avoid the accumulation of debts on principal payments.
Ideally, the cost of the family budget should be allocated as 50-60% on compulsory payments, 20-30% - Entertainment and 10-20% retained as savings.
Psychologists say that habits are formed within 21 days. Accordingly, if three consecutive weeks engaged in filling the budget will soon become occupation is not burdensome.
And always remember - do not carry a notebook entry in today's spending "for tomorrow." You do not have time to look and how you will accumulate a bunch of unrecorded checks, which will be very difficult to identify, that is to understand to what expenditure they relate.