Expense planning is an important part of building a family budget. A zealous hostess does not have unaccounted spending or "a certain amount of money that has disappeared somewhere." Unfortunately, many parents do not seek to teach a child how to spend money, and then, as an adult, he is forced to learn to plan the budget himself. Indeed, without such planning, the family is doomed to "financial holes".
Necessary
- - pen;
- - paper.
Instructions
Step 1
Point one. Analysis Spend a month analyzing your expenses. Collect checks, write down all your spending line by line. After a month, you will learn some interesting things about your budget. And at the same time you will understand what you can really save on.
Step 2
Second point. Planning Set up your family budget. Let it be a three-column table. In the first, write down your planned income (wages, incomes for various other items), in the second, write down actual incomes during the month. In the third column, again during the month, let your expenses be recorded item by item (utilities, medicine, food, clothing, etc.). At the end of the month, compare the actual income and expenses. Your task, while drawing up the budget for the next month, is to bring these two articles in line. If there is an imbalance between income and expenses (often in favor of the latter), decide how you can reduce expenses. If you can't reduce it, find a way to increase your income. Be tough: offer to sit with someone else's baby through an ad, read the cards, wash the floors in the stairwell, ask for alms. If you don't feel like doing all this, cut back on spending. How?
Step 3
Third point. Savings Avoid wasting money on payday. Usually it is on these days that a person is prone to feverish emptying of store shelves. Let the money "sleep" in your wallet. The next day your expenses will be more reasonable. Do not participate in promotions; do not buy discounted items if the item is not on your shopping list; do not go to the grocery store on an empty stomach. Regularly before buying, ask yourself the question, “Do I really need this?” Never go to a store without a list. Make a list in advance - a couple of days in advance. On the day you set for shopping, double-check everything that you have planned. You may have to add something, but in some things the need will disappear by itself. Make sure that the money does not "run away" - carry only the minimum amount with you, save on electricity (that you should walk around the apartment and turn off unnecessary household items). Consider how you can reduce the cost of each item. For example, if your machine washes at a temperature of 40 degrees instead of the usual 60, then during the wash cycle it will consume 30-40% less electricity. And this is without compromising the quality of washing. Take a look around - you will notice many opportunities to spend less, without prejudice to yourself and your family in anything.
Step 4
Point four. Reserve When planning your budget, be sure to enter an expense item such as "Reserve Fund". At least 10% of all money earned by you and your family members must go to this fund. It is your family's financial safety net and is not designed to serve your running expenses.
