Who does not dream about that in the family piggy Bank-the piggy has always been the desired amount of money? How I wish that the revenues have exceeded expenditures. Moreover, though most wisely trying to dispose earned by hard work, and the money still active on something spent. How hard it seemed, but to save the family budget quite possibly, the main thing is to listen to real advice, patience and, most importantly, a desire to acquire.
How to learn to save the family budget?
So, first and foremost, is to talk about what is called budgeting. It is needed to properly direct the desired amount of money to achieve their goals. Besides with its help it is possible to become financially independent.
It is important to add that through planning you can easily ensure the comfort of life, spending money only for necessary and important.
- Recommendation No. 1. In order to save money, no need to deprive yourself, and all family members, the pleasures of life. Make a list of a rash and in most cases, not necessary purchases. Probably, each family will find what to include in it. It can, for example, impulsive purchases. Instead of spending the money, they can invest in self-care, leisure and even gifts for loved ones. The main rule to help you understand how you can save the family budget, reads: «Learn prioritization. Don’t forget that you need to save money. This deferred part of the Finance will help to create comfort in life».
- Recommendation No. 2. It is possible that you have heard about the program, which should include the most accurate data about what you spent money and when. Undoubtedly this is good, but when you burden yourself with such trifles, as many pieces of onion were purchased and eaten during the week, you will agree, it’s a bit overkill. The easiest option: electronically create a table. It will consist of columns of «Expense» and «Income». For example, it could be food, clothes, pay for Internet, account and so on. Most importantly don’t waste on filling in this table all my free time.
- Recommendation No. 3. Start saving family budget should, as soon as you get paid. So, immediately set aside the portion of the amount that should be directed at building personal capital. And the remaining waste your money with peace of mind.
- Recommendation No. 4. How the millionaires in the West manage to increase the available capital? Yes, everything is quite simple. Tell me, do you know how much an hour of your time? And it would not hurt. Know the value of money. Calculate: for example, in a month you get a 770.e. Your standard work schedule is 176 hours. Total hours of life stands at 4.4.e. Wasting 20% of their income is wasted, you lose a whole working week. Is not it a shame? That is, instead, could be for a whole week to go on vacation.
- Recommendation No. 5. No need to save the family budget on food, because as soon as you reduce major expenses, feel the changes. In this case, it is necessary to analyze the largest article. It’s not how many times per week have you spent money on travel in the bus, and, for example, any round sum took a walk last Friday at the club.
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