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Planning a family budget
Judging by opinion polls, home Minister and Finance Minister in most cases is a woman. The distribution of the budget of every family is essential to its stability, because "today, people get married not for money – for the money they're getting divorced". Therefore, in order to efficiently run the household, the woman must learn how to count money.
How to plan a family budget? First of all, calculate the flow of money in the future – for a month, and if your income is stable, then for a year. Be sure to include all incomes of your family members – scholarships children, the fees of the husband, the income from your part time (knitting, browsing the Internet, i.e., all additional earnings), and even the approximate cost of products from your country site (if any). Now from this amount, subtract all expenses, which are the most stable (membership fees, payment for an apartment, a kindergarten and school, school meals, transport costs, possible financial assistance to parents). With the so-called "net amount", show all your qualities as a strategist.
Calculate roughly how much money you have goes to food. To do this within, say, a month you need to maintain a notebook to record all expenditures on products. At the end of the month calculate what shopping was required, and what is desirable or even "indulgence". This does not mean that the latter expenditure would have to give, just need to clearly know their minimum and maximum. Now define, when in the foreseeable future you will have a big spending for your family budget – for example, purchase of furniture, expensive fur coats, fees, tuition, TV, washing machine, etc.
If such expenses are planned and you can not do without them, calculate how much money monthly you can defer. This amount, it is better to leave on the credit card (if you have one, and is, for example, a salary), or, as they say "remove yourself away from" it "scatter" for details. Now calculate current expenses on your wardrobe. First of all, hover in the wardrobe perfect order – view and be astonished how much it would things, although your favorite, but out of fashion, and waiting if it comes in handy. No planned future purchases, not analyzed already committed and is not making for itself corresponding conclusions.
The rest of the family – husband and children – be sure to involve the family budget. After penetrating the parts, children will be more careful with clothing and books, respectfully to tired parents.
Source: /users/147
How to plan a family budget? First of all, calculate the flow of money in the future – for a month, and if your income is stable, then for a year. Be sure to include all incomes of your family members – scholarships children, the fees of the husband, the income from your part time (knitting, browsing the Internet, i.e., all additional earnings), and even the approximate cost of products from your country site (if any). Now from this amount, subtract all expenses, which are the most stable (membership fees, payment for an apartment, a kindergarten and school, school meals, transport costs, possible financial assistance to parents). With the so-called "net amount", show all your qualities as a strategist.
Calculate roughly how much money you have goes to food. To do this within, say, a month you need to maintain a notebook to record all expenditures on products. At the end of the month calculate what shopping was required, and what is desirable or even "indulgence". This does not mean that the latter expenditure would have to give, just need to clearly know their minimum and maximum. Now define, when in the foreseeable future you will have a big spending for your family budget – for example, purchase of furniture, expensive fur coats, fees, tuition, TV, washing machine, etc.
If such expenses are planned and you can not do without them, calculate how much money monthly you can defer. This amount, it is better to leave on the credit card (if you have one, and is, for example, a salary), or, as they say "remove yourself away from" it "scatter" for details. Now calculate current expenses on your wardrobe. First of all, hover in the wardrobe perfect order – view and be astonished how much it would things, although your favorite, but out of fashion, and waiting if it comes in handy. No planned future purchases, not analyzed already committed and is not making for itself corresponding conclusions.
The rest of the family – husband and children – be sure to involve the family budget. After penetrating the parts, children will be more careful with clothing and books, respectfully to tired parents.
Source: /users/147
