The acute family issue that faced all generations was the possibility of thrifty spending of the family budget. How to save money in the family if the salary is barely enough for the most basic necessities? A smart approach to using shared cash can help you find room for cost savings and start setting aside some of your income for vacations or expensive purchases.
Instructions
Step 1
The basis for economical spending of money is their correct planning and distribution. In order to draw up a competent budget, it would be good to understand how much is spent monthly on various items of expenditure in your family. For a month (or better than a few), try to write down all expenses, distributing them into groups. For example, groceries, expenses for children (kindergarten, school, clubs and sections, toys), taxes, utility bills and household needs, beauty and health, entertainment and recreation, work expenses, expenses for car maintenance and gasoline, public transport buying clothes and shoes. You can start a notebook for notes or create a table on your computer. For convenience, there are currently many programs for keeping a budget for phones and computers, both free and paid, you can use one of them.
Step 2
To decide how to save money in the family correctly, it is important to analyze the costs and find ways to reduce them. Typically, the main cost item for most couples with or without children is food. To reduce the cost of this item, the main purchase of food should be carried out once a week, purchasing only perishable products. It is worth visiting the store on a full stomach, adhering to a pre-compiled list. It is imperative to pay attention to stock products, avoid semi-finished products.
Step 3
Often in the family budget there is such an item of expenditure as alcohol and cigarettes. It is better to give up bad habits not only from the principles of a healthy lifestyle, but also in order to save money.
Step 4
Working family men spend a lot of money on public transport and food in cafes. This expense item can be reduced if you buy season tickets for travel or use the services of fellow travelers in cars, and take homemade food in stalls with you for snacks.
Step 5
To save money in the family, it is important to pay attention to such an item in the budget as utility bills. To reduce costs, you can supply meters for water and gas, save resources. Instead of a bath, you can take a shower, turn on a thin stream of water when washing your hands and dishes, replace ordinary incandescent lamps with energy-saving ones, do not forget to turn off the lights and electrical appliances if they are not in use. It is economical to use washing machines and dishwashers with low water and electricity consumption.
Step 6
Each person has to learn a lot during their life. Now on the Internet you can find answers to almost all questions. If you want to learn how to save money, more often seek help from tutorial articles and videos. So you can not spend money on various masters for repairing apartments, equipment, cars, sewing clothes, carrying out various cosmetic procedures, etc.
Step 7
You can save money on children, even though it sounds awful at first glance. Firstly, they grow very quickly, and therefore many products for toddlers or schoolchildren can be bought from hands. Often for a fraction of the price, parents sell strollers, clothes, various devices, toys and even books needed in childcare.
Step 8
You can also optimize the cost of communication and the Internet. Competition in this market is constantly growing, and therefore you can always choose a more profitable provider and tariff.
Step 9
Money in the family is sometimes required for any urgent needs, and therefore, in order not to get into debt, you should save a little from each salary. The saved amount can also be spent on family vacations, purchasing any expensive goods.
Step 10
Try to avoid debt and loans. A loan is always an overpayment, and debt obligations in general often make people nervous and unsatisfied with life, and reduce their ability to work.
