I'd venture that every month you are asking two questions: where to get the money and how to spend them correctly. To the second question often do not reach the pair, if you can't cope with the first. And if you did, you did it with the first question, I don't know how to hold on to paycheck. Then it is necessary to analyze their spending and begin to budget.
In order to do financial analysis you need to:
- every day write down all your expenses. An exception are not even small expenses, like a bus or a snack on the run. It may help you understand how often you can afford to take a taxi or dine in the restaurant.
- it is necessary to observe their actions. Whether you make an unplanned purchase? Do you take purchase decision spontaneously? Forget whether you are on holidays, anniversaries, invitations to the wedding? Delay if you serious purchase for later, because right now your budget, it is unsustainable?
By the end of the month, we conclude that the income of the family is sufficient, but spending excessive. You have to budget for next month. So, you got paid, but not in a hurry to spend money. Let the money lie in the wallet of the day, so to say, "spend the night". The next morning the desire to make a little spending will subside. It is not necessary to put in a wallet large amounts, as their presence always leads to buying something unnecessary, but cute. When the purse is not enough money to buy, the desire to buy something nice is lost. And then, on reflection, I understand that this purchase was not really necessary.
Love money account, so often consider the money, it organizes and sobering. This will help to define the "black hole" in your budget, which sucks money, no waste.
Should be postponed. You can start with small amounts, let it be 10 percent of your income, but postponing a little for any salary.
Discuss spending money in the family, let them participate in the conversation and take the children. This does not mean that the child can decide how to spend the money and what to shop. But the child will listen to and understand the budget structure and criteria for financial decision-making.
You must save the budget. But let the savings do not reach the fanaticism, because it is not the only path to the welfare of the family. Shop sales, check the counters of consumption of utilities, use the discount cards to friends and relatives, such methods allow to save the budget, not tightening the belt.
There are several options for conducting the family budget. If both partners are working, there are a few ways to save the family budget. The first method is that all the money add up to the overall total and the decision about major purchases was adopted by the family Council, but on the little things each family member takes a private.
The second method of budgeting is that one place is the amount of common expenses. Each family member puts part of their income.
The third method is that the couple spend their money at their discretion, and payment of utility amounts and other mandatory spending are made in a specific pattern developed by the partners. So, a spouse may buy food and to pay the costs of children. Wife pays out of his income utilities. Or perhaps each partner buys the house that will fit, and the major mandatory spending is distributed equally. Money at the same time are each separately total amount no.
To understand where to "go away" money, start a family budget. So it will be easier to assess the financial capacity of the family to adjust spending.
Advice 2 : How to record income and expenses for the family budget
Calculations in the notebook
This is the best option for those on "you" with the computer or just do not. Take ordinary notebook in a cage and raschertite each sheet into two columns. In one you will record income and the other expenses. And so every day, by putting on the record date.
Once a week we need to take stock. Take a calculator and count how many have earned and how much spent and assess which expenditures can be cut.
Advantages: simplicity, low cost, the ability to narrow or expand the graphs in notebooks based on the nature of your expenses and income.
Cons: to sum up the week you have to spend 20-40 minutes. And the analysis of some data, for example, how much you spent money for the payment of interest on loans, need more time. In addition, it is inconvenient to plan for future expenses.
Count on smartphone and tablet
Now many people have either a smartphone or a tablet, and sometimes both. These devices are very convenient to the family budget. You only need to install specially designed for this program.
Most smartphones operate on the android operating system. If you have a smartphone, you need to get online, go to the website to download applications and install on smartphone app maintenance budget. If you have a smartphone with operating system ios, visit the App Store and download the app for management of budgets.
As for tablets, they keep a record of the family budget is easier than on a smartphone due to the large size of the screen. The choice of programs on your phone depend on the installed operating system. And download the programs you need on the same sites.
Pros: fast estimates — any of the installed programs by itself makes the necessary calculations and is never wrong. It is convenient to plan for future expenses.
Cons: every program costs money, but the free version always cut.
Counting on the computer
There are several options of programs for the management of the family budget on a home computer or laptop.
Option one: this is a normal excel spreadsheet, which is on every computer.
Pros: wrap-up takes just one minute, you can calculate the results of costs and revenues for any budget and for any length of time. In the Internet there are many free ready templates for conducting these programmes the household.
Cons: for a person not familiar close with the computer, it will be difficult to adjust the table for themselves. In addition, such a program is quite boring and looks like a Manager in a normal notebook.
Option two: wider options have special programs for management of family budget. You can download and install on your home computer. The most popular include of the program "home bookkeeping" and "home finances"
Pros: much more functionality than the table. You can analyze the costs for past periods and plan expenses. All programs are provided with technical support. This means that if you don't know how to do something, you can call tech support and explain everything to you.
Cons: the majority of such programs pay.
Option three: if you have Internet access, you can use the online services. Choose a service, register it and start your table of calculations. There are free and paid services. Free usually have a limited number of functions, but for many they will be enough.
Pros: does not require installation of special software.
Cons: if you disconnect the Internet, access the calculations you will have.