How to save the family budget, planning and management

Salary only next week, and you have in your wallet is not thick? Again we spent more money than time to earn? We learn in advance as much as possible to save the family budget, planning and management of the family budget. Money matters

As the saying goes, "Money is like the expense."

So in order to have enough money, you need to plan their family budget. The point is simple, very exciting and very necessary. Thus, the salary you have in your wallet. In the evening in a relaxed home environment along with her husband, remembering arithmetic for the second class, do some dividing honestly earned funds.

1. Economists believe that you can set aside each month from the salary of 10%, while your family does not feel significant damage, and will provide an opportunity to save money to make large expensive purchase, go to the sea, etc.

2. Calculate your required monthly expenses: utilities, Internet, payment of kindergarten or school, basic grocery shopping. Set aside in a separate envelope the required amount.

3. Remember, you have not planned any of the relatives for the next month birthdays, weddings and other special events. If yes, then set aside a reasonable amount for the show.

4. Recalculate that you have left. The money you will spend for a month. Divide the remaining amount for 30 days, and you will know how much money you can spend the day. But if due to unforeseen circumstances you had to spend a large sum for one day, then the next day you should try to cut back on spending so as not to "break out of the rut."

Little things in life, how to save the family budget

There are times when spending planned in advance, but the money to pay is not enough. Then we start going over in memory all purchases, looking for the error. Remember the saying "Kopeika penny gained"? So, buying a chocolate bar, a pack of biscuits, some other things - a very significant item of expenditure.

We buy different stuff, which, very often there is not much need, without hesitation. Here triggered a psychological moment: the cost of some stuff seems too petty. We can quite easily buy a new mobile phone, but will think twice about the purchase of, for example, a new dresser in the bedroom.

After all, such a large chest of drawers and telefonchik - small. To understand where the money is spent, you need some time to fix the costs. Do not throw away receipts from the supermarket, and fold in a special envelope, keep a notebook with "personal finance." At the end of the month, you will see all the items of expenditure.

"Common pot" or separate costs, planning the family budget

Remarkably, when the family money is spent by mutual consent. But what if you've already chosen a new dress, and her husband does not see a future without new fillings for your computer?

You can do this: let monthly husband gives you a certain amount for utilities, purchase of products, spending on children. The remaining amount is still with him. But now he is obliged to fill the car, buy a coveted device to the computer.

Also spread what you will spend part of their income. Travel and delay major purchases, both the same amount. Talk to your husband, ask your options, listen to his opinion. Come to a common denominator. The most important thing that you both feel comfortable and draws interests are not prejudiced.

How to save the family budget, planning and management

Salary only next week, and you have in your wallet is not thick? Again we spent more money than time to earn? We learn in advance as much as possible to save the family budget, planning and management of the family budget. Money matters

As the saying goes, "Money is like the expense."

So in order to have enough money, you need to plan their family budget. The point is simple, very exciting and very necessary. Thus, the salary you have in your wallet. In the evening in a relaxed home environment along with her husband, remembering arithmetic for the second class, do some dividing honestly earned funds.

1. Economists believe that you can set aside each month from the salary of 10%, while your family does not feel significant damage, and will provide an opportunity to save money to make large expensive purchase, go to the sea, etc.

2. Calculate your required monthly expenses: utilities, Internet, payment of kindergarten or school, basic grocery shopping. Set aside in a separate envelope the required amount.

3. Remember, you have not planned any of the relatives for the next month birthdays, weddings and other special events. If yes, then set aside a reasonable amount for the show.

4. Recalculate that you have left. The money you will spend for a month. Divide the remaining amount for 30 days, and you will know how much money you can spend the day. But if due to unforeseen circumstances you had to spend a large sum for one day, then the next day you should try to cut back on spending so as not to "break out of the rut."

Little things in life, how to save the family budget

There are times when spending planned in advance, but the money to pay is not enough. Then we start going over in memory all purchases, looking for the error. Remember the saying "Kopeika penny gained"? So, buying a chocolate bar, a pack of biscuits, some other things - a very significant item of expenditure.

We buy different stuff, which, very often there is not much need, without hesitation. Here triggered a psychological moment: the cost of some stuff seems too petty. We can quite easily buy a new mobile phone, but will think twice about the purchase of, for example, a new dresser in the bedroom.

After all, such a large chest of drawers and telefonchik - small. To understand where the money is spent, you need some time to fix the costs. Do not throw away receipts from the supermarket, and fold in a special envelope, keep a notebook with "personal finance." At the end of the month, you will see all the items of expenditure.

"Common pot" or separate costs, planning the family budget

Remarkably, when the family money is spent by mutual consent. But what if you've already chosen a new dress, and her husband does not see a future without new fillings for your computer?

You can do this: let monthly husband gives you a certain amount for utilities, purchase of products, spending on children. The remaining amount is still with him. But now he is obliged to fill the car, buy a coveted device to the computer.

Also spread what you will spend part of their income. Travel and delay major purchases, both the same amount. Talk to your husband, ask your options, listen to his opinion. Come to a common denominator. The most important thing that you both feel comfortable and draws interests are not prejudiced.

On the thoughts of rich and poor

The argument will start from fellow :) Kiyosaki and his books, that is, compare the thought of different people in different situations.

First - this is, of course, work.

What should be to have money?

Good learning and find a stable job. Although 80% of graduates of diploma put on a shelf and do not work in their specialty, and those who work get s / n, but still remain poor.

Since childhood, brought millions of people to work for money, that is,. To do the work, you get the money.

This concept is originally a deadlock on the path to success and wealth.

For that you would have spent the money, getting $ 500,000?

80% of respondents:

* Home

* car

* recreation

* Help friends

* Charity

* Activities

* clothes

* Boat or yacht

* Garazhik :)

* gifts

* Would go abroad

Traveled *

* Bought relatives from prison

* And other costs

* Entrepreneurship opened 4%, but, still would have failed

* 1 smart answer would have found a specialist who would advise what to do

Rich also earned money turns into passive income.

If wealth was $ 500,000, he would have built the financial system, which would allow him to live comfortably each month until the end of life. And every year, he would become richer in 1.5- 2 times.

As a result, the rich have a lot of time and money that hard work, never in my life did not earn.

About education: Higher education is still necessary, as developing your communication skills, without which you can not get a job.

The rich think differently - I would rather attend specialized seminars, which teach people who have achieved success and millionaires. Better to let them teach me communication, success and financial literacy.

***

I do not want a lot of money for me is a burden.

How do you know? You've never been successful and wealthy. And if you have been and done such a conclusion, so just need to learn how to manage them properly and enjoy that money would have been for the good and not for evil.

Money spoils people.

Although, as a look. According to statistics, among the wealthy patrons and people involved in charity work, more at times than in the rest of the people.

We do not live lavishly ...

Wealth is an opportunity for spiritual development and not only. With the money, I can realize their wildest dreams and projects. Being poor, I would just sigh and envy the rich.

Well, you're young, you want to work and do not receive money (a dream parasite) t. E. A vice.

Did you work not for the fact that to have free time and money. The poor work for money, and the rich work of his money. It's better to devote your time yourself and loved ones than "native" plants, factories, etc.

Everyone tells me that I will not be rich.

There is no prophet in his own country. Apparently, it's time to make new friends and surroundings, which helps to believe in themselves and will not be convinced of the impossibility of this.

Do you want to be a millionaire ha ha ha!

Why not. You've never been there.

Man has become a successful and wealthy because he was lucky in life, he is one in a million, I do not get lucky.

As a rule, success and wealth is a conscious and planned right actions aimed to the target at a certain time.

It is too difficult and unrealistic that I became successful and wealthy.

Not harder than to learn any profession.

Of course, there are difficulties, but overcome obstacles, get the award, which will exceed all your expectations.

It is better to lose the battle than the entire war.

Well, if all of the assets will be built, then who will be working?

All will not build assets, the majority will remain poor, but knowledgeable and able.

Where do you want to be?

Today everything. Absolutely everything :)

All the success and prosperity.

Alex Russinovich.