Life becomes a stumbling block between spouses, if the family budget is organized illiterately. This happens with newlyweds who are just beginning to get used to each other's characters. Each of them has its own needs. Saving the family budget gives a positive result, if the interests of all family members are taken into account.
What is the family budget?
Monthly earnings are owned by adult households, and children are dependent on them. The family budget is a set of all incomes of spouses, which consists of money received in the form of payment for the main activity and additional. In the "indirect" money equivalent can be paid:
- seasonal sales of the harvest harvested from the infield;
- the services of a nanny, a housekeeper, a courier, which are carried out outside working hours;
- distribution of mass media (sale of newspapers, leaflets, magazines);
- cosmetic services (manicure, pedicure, eyelash sticking, massage, hair coloring, haircut);
- repair work in apartments and houses;
- freelancing.
These activities become the main way of earning money, if others are not available. Much depends on the diligence of a person, knowledge of his business and the ability to translate the desired into reality. If adult members of the family have their own hobbies that give good dividends, then the family is arguing, and the relationship only gets stronger.
Why does the family need a budget?
No matter how large the total family income, in the moneybox will not increase, if you spend it unreasonably. A competent budget organization preserves and multiplies funds even when the minimum amounts are received. The family budget, which is fixed on paper, takes into account daily expenses. In this case, priority is given to purchases in which:
- there is a need daily;
- there is a profit, which allows you to have additional income;
- households see a good profit with their profitable resale.
Types of family budget
The available ways to save the family budget are made up of the types of his organization. For example, in some families, the wife is a full-fledged leader of money transactions, she has salary cards and savings cards on her hands. Such a family "monopoly" is not uncommon if a man is not sure of himself and thinks that his wife will dispose of money better than he does. The family aggregate budget can be represented by other types:
- Common . With a general family budget, the main and additional revenues are collected in a single amount. First, public utilities are paid, money is saved for transportation, meals for children in the school. Wholesale items are purchased basic necessities (detergents, hygiene products) and products (meat, cereals, butter, sugar). The expediency of the subsequent costs is necessarily discussed at the general family council. Adult members of the family are always aware of where and why they left money from the common family piggy bank.
- Separate . The separate waste of money becomes a serious test for the newlyweds. For example, a woman purchases a product, but a man provides clothes for children, pays for their food. The separate budget in the family is the main cause of family disagreements. If one spouse keeps silent about the fact that he has money, and another - acutely needs them, then it's not far from the family scandal.
- Mixed . The most reasonable form of family budget management is mixed. The main waste occurs, as with the overall family budget. But additional income (for example, the husband is looking for work on the construction site, the wife knits things and sells) remain with him. This form of forming a family budget does not cause a feeling of distrust towards each other.
How is the budget in the family formed?
Spouses receive a monthly salary if they work at the enterprise, in preschool and school institutions, in the hospital, in social structures. When the family business is conducted, money amounts to the family piggy bank can be received weekly or daily. Older people do not work, but they get a pension. Of these amounts, the main family income is formed.
Creative, resourceful, active natures do not stop there. They invent something, repair broken equipment to themselves and others, knit beautiful things, bake delicious cakes to order, write good articles. The additional income, which brings profit more than at the official place of work, in the future can become the main type of earnings. What is the result of the family budget in this scenario? The answer is simple: from all sources of funds.
How to manage the family budget?
Receipt of money and their expenses is better recorded on paper. Such information is difficult to retain in memory. The family budget is the cash register where money is stored, and their waste is calculated to clarify the information about how much "free" money remains for other expenses. To take them into account, you can create a general notebook and draw two tables in it:
Name of the current month | |||
Income | Date (when funds were received) | Type (description of where the money came from) | |
Total (the total amount of money received is calculated) | |||
Name of the current month | |||
Costs | Date (when money was spent) | Kind (what was the money spent on) | |
Total (the total amount of money spent) | |||
Planning of the family budget
The question of how to plan the family budget, you have to return constantly. It is necessary to determine the receipt of money for a week, a month, a year. All incomes are taken into account: pension, salary, stipend, child allowance, additional earnings. Constant payments are determined: utilities, electricity, internet, school meals. Next: payments, the amount of which varies: payment for cellular communications, dry cleaning, products for the family, clothing. Required are:
- amount for contingencies;
- funds for seasonal waste (purchase of coal, potatoes, sugar, vegetables and fruits for winter harvesting).
How to allocate the family budget?
It is not difficult to understand how to calculate the family budget, if the above expenses are deducted from the total family income. Money that remains "free" can be spent on an unscheduled purchase. When they are not enough, unspent funds should be left until the next month, when the new budget will receive new income. At the same time cash is also added to the cash register from an additional source. Over time, a small amount of money is generated from small deposits.
How to increase the family budget?
In a week 7 days, of which 5 people spend in the workplace. Evening time is spent preparing dinner, washing dishes, watching news or a movie. At the weekend comes the turn of cleaning in the apartment , works on the garden. Planning of the family budget remains the same from month to month. If there was a lot of free time, people could increase their income through additional earnings. There is only one way out: it is necessary to distribute responsibilities competently among all members of the family. Then it will be possible to earn somewhere else.
Saving the family budget
The main mistake of the household is to try to live like everyone else. Thus it is necessary to be puzzled constantly how to save the family budget. People buy expensive cell phones, household appliances, clothes. "Passive" wardrobe reaches 20-40% - beautiful outfits are reserved for some special case, but it does not happen. Cameras, video cameras, microwaves are used only from time to time. Nutrition is also a sore point. As a matter of fact people buy not products, but a set of valuable substances. But tasty and healthy dishes can be prepared from inexpensive purchases.