The family budget is a way of managing the income of the family as a whole. Saving the family budget is not a financial restriction of yourself and your household in all spheres of life, but the ability to properly and thoughtfully handle money.
If you want to know the answer to the question "How to save the family budget?" Then read this article. Provide yourself and your family financial security or even regularly improve its welfare - this is quite real.
Expenditures and income, or how to properly create a family budget?
To begin with, you should familiarize yourself with the structure of the family budget, since without basic knowledge, you can not plan it correctly.
The structure of the family budget includes articles of the family budget. The income of the family budget is formed from two main articles:
- basic income;
- additional income.
In the article of the basic income, it is possible to attribute the profit received at the place of the main work of each member of the family. To additional incomes is the profit that the family receives from additional work, from entrepreneurship, investment or income from the use of the property at hand.
Finances already in the family budget are divided into several streams, or as you probably already guessed at several items of expenditure:
- running costs;
- expenses for accumulation;
- reserve fund;
- development fund.
Such names of the item of expenditure were received in accordance with their main objectives, which we will consider in more detail. Current expenses are an expense part of the family budget, they include expenses for everything you need: food, utility bills, inexpensive clothes, shoes, loan payments, etc. Part of the money put aside for more serious and costly purposes, such as summer vacations, expensive purchases - is called the cost of accumulation. The reserve fund is money postponed "on a black day". The development fund considers the money that your family invests in the development of any sources of additional income.
Analysis of the family budget can be made after 3-4 months of careful recording of all income and expenses of your family, according to the above structure.
Now that you know what the structure of the family budget we can go on to consider ways to save the family budget.
How to properly save the family budget?
Income is a stable, clearly delineated amount that you get for your work. With costs, everything is different, they can be unlimited.
Pay attention to the following ways to save the family budget and use all or at least one of them, the one that suits you best.
Ways to save the family budget
The use of simple methods of saving can reduce the family's expenses by 10-25%.
- If you have a car, then use it only in case of actual need. If you have the opportunity to walk to the place of work or to the supermarket, do not be lazy or neglect it.
- Think about the possibilities of saving energy. We are used to not controlling electricity costs and do not pay attention to a huge number of household appliances, the use of which can be partially abandoned,
or if there is no such possibility, then at least try installing energy-saving light bulbs in the house. - Reconsider the tariff plans of your mobile operators, as literally each season they offer a more affordable and profitable tariff, with the transition to which your family will be able to save from 3 to 5% of the family budget.
- Do not deny yourself a rest, go to the movies, skate and swim in the pool, just do it, if possible, on weekdays. First, on weekdays a smaller influx of people, and secondly, the cost of such a holiday will be 10-15% cheaper than on weekends.