Money doesn't make us money, we make itmoney. Isn't it true that these words are of little comfort at the beginning of the month, when during the next calculation of the family budget you start looking for an answer to a couple of "burning" questions. Where to get money? And how to save the family budget? And if the answer to the first question is more or less clear, then the second one makes you think seriously. But really, it turns out that it is not enough to just earn well. You also need to be able to spend money wisely. Surprised? But that's exactly it. Of course, it is difficult to learn to control and plan your spending. And everything will not happen at the "wish of the pike". But if you try to follow a few simple tips, then in a couple of months you will learn to wisely plan the family budget and control your own expenses.
The financial analysis
Don't be afraid of the name of this procedure, which seems to be copied from an economics textbook. In fact, financial analysis of your expenses is quite simple to do.
- At the beginning of the month, calculate the total income of your family. It is made up of the income received by all family members. This is your family budget.
- Daily within a week write down in a notebook or a notebook all your expenses, even the most insignificant. Even such as paying for the fare in the minibus or buying ice cream from the hawker.
- Watch how often when you visit the store you make rash and unnecessary at this time of purchase.
In about a month you will be able to fullyassess the scale of your financial "disaster". Your income is stable and the money you earn should be enough, but due to excessive spending and frequent unplanned purchases, money "disappears", leaving no opportunity to put aside some funds for major purchases? If so, then you should start keeping home accounts.
Home Accounting
One of the best ways to save money is toboldly call bookkeeping. You know exactly the approximate list of monthly income and expenses. So, having made a kind of list in which you enter all the items of your family's expenses, you will be able to understand what amount you have left to put aside. It is not at all necessary to keep household bookkeeping in a notebook; today there are a huge number of computer programs for keeping it. They are quite simple and are intended specifically for those who have a very vague idea of bookkeeping, but who need control over the family budget.
Taking costs under control
How to save your family budget by controlling your expenses? Let's look at what exactly you can save money on without compromising your comfortable and familiar life. So...
- We put the counters
A significant part of the family budget is “eaten up”utilities. It seems that nothing can be done about it. But if you haven't installed gas and water meters yet, do it. The cost of installing them will quickly pay for itself and will soon help you save money, paying for gas and water two or even three times less than the amounts calculated according to the standards (these are our standards).
- Exclude spontaneous purchases
You shouldn't go into a store to buy somethingreally necessary, to buy something just like that. Of course, it is incredibly pleasant to go and buy a thing you like or a delicious delicacy. However, attacks of "shopaholism" can make a noticeable hole in your family budget.
- Compare the prices of goods
If you are used to buying expensive goods, thenOne way to save money is to compare prices. How to save your family budget by simply comparing prices? In order to save money, sacrifice your time. Go to several stores, comparing the cost of goods of the brand you are used to. Choose the lowest price, and you will see how, without losing the quality of the goods, you still managed to save money.
- Save on clothes
No one is forcing you to deprive yourself of your legal rights.new clothes or refuse clothes of your favorite brand. Just, before buying something new, review your wardrobe again. Decide what exactly you need to buy. Do not ignore all sorts of discounts and sales: this will allow you to save some money. Some clothing stores have a joint purchase program. So, you can safely take a friend with you who, like you, prefers to save. And remember the advice about comparing prices.
- We plan and discuss major purchases
Any large and expensive purchase requiresdiscussions with all family members. It is best to make large purchases not on the day you want to do it. And even better - save money for such a purchase, gradually putting it aside. This will not cause significant damage to the monthly budget and will save you from having to take something on credit.
Save on food?
The largest item of expenditure in the family budgetThere have always been and still are expenses on food. But this does not mean that you should put your family on semi-finished products or buy lower quality and cheaper products. You just need to follow a few simple rules that will help you save on food without compromising quality.
- Products of long-term storage (cereals, pastaproducts, canned food and beverages) is best bought a month in advance And not in the usual supermarket, but on a wholesale basis. In this case, you better cooperate with someone from friends or friends. At wholesale bases, the higher the discount, the larger the wholesale.
- Do not go shopping in the grocery store athungry stomach Never noticed that if you go shopping on an empty stomach, then the various sharply smelling delicacies in the trolley is twice as much as you need? It's simple: hunger is not your aunt, you can not argue with him. The suffering stomach gave the command to your brain, and you enthusiastically filled the cart with everything that you at the moment wanted to eat. And this is detrimental to your strictly budgeted budget.
- Make a menu for the week. Buy at the nextvisit the store only those products (we are talking about products that are stored in the refrigerator) that are included in your planned weekly diet. In this case, you will no longer need to go to the store for a week and buy something (perhaps, in addition to bread and milk). By the way, making the menu for the next week, be sure to include in it the dishes, for the preparation of which you can use the products left over from the last trip to the store.
- Do not overpay for packaging Bright packaging attracts the eye, but its value you pay along with the value of the product itself. And why pay for what will still go to the trash?
The task "How to learn to save family moneybudget" is solved quite simply. You just need to follow the rules you set for yourself and clearly plan your purchases. And then at the beginning of each month you will stop tormenting yourself with the question "Where to get money?". Successful endeavors! We recommend reading:
