Any average family representsa kind of a small economic model of the state, in which such a concept as a budget is necessarily present. In it, much depends on how much there is a mandatory expense items and what is the average monthly income. And to learn the correct planning and distribution of money you need without fail. This is not only a way to save money, but also an opportunity to encourage children to take care of finances and those things that are given to them without much difficulty. And since in most cases it is you, the housewives, who are engaged in basic household chores, then you will master the main techniques of how to save money in the family so as not to lead it to default.
Basic ways of home saving
To begin with, it is important to understand that the question of rationaldistribution of the family budget consists of two main aspects - psychological and mathematical. In the first case, it will be about unnecessary purchases, for which money is spent impulsively, without the obvious need. After all, often a momentary desire is stronger than reason, and we buy something without which we can easily do without. For example, a regular dress, lipstick or perfume women get only because the store's consultants suddenly pay their attention to a very favorable discount. Yes, and men can make rash shopping, especially if it concerns entertainment. Therefore, each family should adopt such advice as, for example, the division of planned expenditures into two parts: mandatory and optional. The result in the form of money saved in the first month will please you and the rest of the family. To ensure that such a useful undertaking is not extinguished, it will not be superfluous to outline, in addition to the global goals, those that can be achieved in the foreseeable future. For example, allocate a portion of the savings to go to the cinema, a trip to the water park or travel to nature. The essence of the mathematical approach in the correct distribution of the family budget is to immediately determine how much money you need to allocate to:
- rent and utility bills;
- products and medicines;
- household chemistry;
- clothes and entertainment.
But it should be clearly understood how much money will bego to the above categories, and determine the minimum and maximum amounts for each of them. After all, the amount of spending will depend on the size of the monthly aggregate family income. Start a notebook in which to record the earnings of the family for a month and all of its expenses, both mandatory and additional. Perhaps the first time is better to live in a familiar mode, without saving. This will help to make a real picture of what, in your opinion, the most money goes away. Analyzing records, you can quickly understand which moments should be more economical.
Why can not we postpone the priority expenses?
So, according to the psychological approach to the questionsaving the family budget, you correctly prioritized, and using mathematical - you know all the dimensions of the monthly unavoidable waste. But this is not enough, so you need to use the first rule of frugality. It consists in making all the mandatory purchases and paying bills within one to two days after the members of your family have received their salaries. But why should those who are trying to save solve these problems with haste? Everything is very simple and is explained by the usual human factor. After all, if you have a large amount of money at your disposal, then you want to relax and please yourself and others with some pleasant shopping or entertainment. Why not, because the funds so far allow? Of course, it's very good, you need to rest, enjoy life too. But very often after such ill-considered spending, you find yourself in a situation where there are at least ten more days left until the next salary, and only money left for rent and utilities. But there are still costs for food, kindergarten, developmental classes, sports sections or dances. Surely someone from family members will need to buy clothes or shoes, perhaps ahead of someone's birthday or other holiday. So it turns out that free money was not so much as it seemed. Therefore, it is better to close all questions related to mandatory payments immediately after receiving the salary and plan the other expected expenses. And then, based on the balance of the sum, think about entertainment and pleasures. Believe me, those funds that as a result will remain in your hands, will not give you the opportunity to squander all your money, as it could happen with a larger amount of money in the first few days after your salary.
Divide and postpone
Rule two is distribution, and itwill help you to accurately consider all the upcoming costs. To do this, at first, get yourself envelopes that you sign in accordance with the planned costs, for example, "rent and communal", "products", "kindergarten, sports, dances", "gifts for holidays" and so on. Do not forget about the envelope with the inscription "savings". Accustom yourself on the first day of the salary to distribute money on these, so to speak, "shelves." The amount that should be put aside in an envelope called "savings" should be at least 10% of the total family income. If you can save more money, then this is excellent, if less - analyze the costs. However, do not forget that only adults can often deny themselves everything for the sake of global goals, and even then not all. If your family has children, do not deprive them of entertainment. Just enter the feasible restrictions and slightly reorient. For example, is your family used to go to the shopping and entertainment center on weekends and spend a lot of time there, leaving a tidy sum of money? This tradition should be adjusted, keeping the main idea - to spend time together. In the warm season, have a picnic in the nearest park or just walk around the city: the children will be able to breathe fresh air, run and warm up, and the parents - to remember the period of love and walk around, holding hands, as in former times. In winter, you can make a snowman, a sled, play snowballs with the whole family. Of course, sometimes the weather does not allow you to actively spend time on the street, but in any case to be in the entertainment center you will be less likely. And this will have a positive impact on your family's budget in the sense that it will save money on medicines. After all, in the winter season, the risk of catching a viral infection in places of large concentrations of people is very large. Therefore, if you do not walk together on the street, then enter another tradition, for example, to make pies or pelmeni with the whole family. And at home, and all in action, and fun.
We eat at home, cook for ourselves and attend sales
So smoothly we approached one of thethe most costly expenditure items, namely to the funds that go to food. First of all, you should determine how much money a family spends in 10 days on food. To do this, record what and in what quantities during this time was purchased. Then again, analysis is needed. Carefully study the list, and if it contains a large number of semi-finished products, chips, sweets and cakes, in principle, the answer to the question of where to save, you can close. Many women in age-old vanity try at least on weekdays not to waste time preparing food, and buy dumplings, vareniki, cutlets and sausages in the store. And even salads from supermarkets are often included in the family dinner. Of course, it's faster and easier. But obviously not cheaper and, moreover, not more useful than natural home dishes. Therefore, in order to save money and keep your health and your family members, get rid of the habit of eating ready meals. And once again going to the supermarket, give preference to meat, fish and vegetables, and leave the dumplings and sausages to bachelors. In order not to turn the process of cooking dinner into a torture for yourself after a busy day at work, do your homework on the weekends and freeze them. Knowing that in the refrigerator there are semi-finished products, you will not buy store. Instead of ready-made cakes, bake yourself. Start with simple recipes and involve children in the process. The taste of mother's pies is the taste of childhood. But, in addition to cooking at home, there are a few more ways to cut waste.
To the question of buying clothes and shoes also followsapproach carefully and acquire the necessary new things at the end of the season. But do not save on quality - it's better to buy less, but really good things that will last a long time. Try not to make impulsive purchases under the influence of discounts and profitable offers at the beginning of the season, especially since in many shops before putting a label "sale 50%" on a thing, its price can be inflated beforehand. As for the cost of household chemicals, some housewives prefer to wash with household soap and wash the dishes with flour, soda or mustard. This may be a good way to save money, but it does not suit everyone. If you are frightened by monthly bills for electricity and water use, pay attention to the habits of family members. Perhaps in the rooms there is often no need for light, all TVs work simultaneously, and the washing machine and dishwasher are switched on not at full load, but, if desired, rinse a couple of plates or wash one shirt. Situations in each family, related to the need to save, are different. Someone is trying to save up for the purchase of a coveted car, someone is short of money for a separate dwelling, someone in general due to certain circumstances is forced to temporarily deny himself everything except the simplest. However, in our difficult times of crisis it is useful to master the basics of rational spending even for those of us who do not suffer from a lack of finance. But do not forget that in all things it is necessary to observe the measure and common sense. So be economical! We advise you to read: