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Read other people's money in the pockets of very interesting, but seems to be indecent. And most importantly - absolutely not profitable. No profit from it does not work, but a quarrel with someone can be.
But counting the money in his pocket terribly boring, but necessary.
The only way to figure out where all the time disappear, these "strange things" that if there is, at once, and they do not.
The fact that money by love, is nothing new. For example, hit my arm a century ago allowance for housewives about "home accounting" is told in great detail. To the extent in which you need to enter the count the cost of the payment of salaries of servants. And then he concludes: "The expenditure of money without a certain bills always led and will lead to disastrous results." As the water looked the authors of manuals.
It took almost a hundred years, and nothing has changed. Who says money does not have to, they do not stay. Another thing that count the money at the beginning of the twenty-first century is much easier than in the early twentieth. No need to start a thick account book, no need to pore over her monthly bills with no need to carefully compare the records of expenditures for different months.
All this (and much more) for you to make a special program. You just have to install it on your computer but do not forget to enter it information on all expenditures. However, that is what is most difficult. After all, in order to "balance" reflect the reality, you need to enter the computer information on any cash flow.
With revenues make it relatively easy. Eventually the majority of revenue sources are relatively few. In addition, month after month, they tend to remain the same. Worse costs. Each one of us opens the wallet several times a day. Often, this happens almost automatically (for example, when paying for a trip on public transport), so remember where left a relatively small amount, it turns out not always.
And the main thing here is to make myself. After all, it is not difficult - in the evening to sit at the computer and stuck out shopping checks, tickets and receipts to make financial report for the day. Worried that evening to have time to forget everything? Do not worry - some accounting programs already allow not to delay preparation of the report until the evening.
For example, users can make the program DomEconom expenditure data immediately after it parted with the money. Just send from your mobile phone ordinary "text messages" and it's done. A month or two "accountability" of life, and you'll finally be able to clearly answer the question of where the money goes.
Programming graphics show all: how much your family spends on absolutely necessary things and how much entertainment in what you deny yourself nothing, and what expenses can be cut painlessly. But finding holes in the family budget - this is not the only plus. Correctly composed painting of income and expenses to minimize time to time arise in any family conflicts.
After the cause of quarrels are often precisely monetary disputes. Each of the spouses (especially the one who earns more) sometimes it seems that money is spent is somehow wrong. Husbands are confident that their "half" too much spending on cosmetics and fashion magazines. Wife accused spouses in ruinous passion for beer and expensive cars, fishing, football. If the accusations are unjust, because of personal finance is at once becomes clear. If true - too.
Even harder sometimes to non-working women. Husbands in these families often manage finances alone and isolated on housework as much as, in their opinion, it is necessary. The trouble is that such "miners" are not always correctly identify how many are needed for everyday life products.
As a result - accusations of extravagance, and even humiliating reconciliation checks. Clear painted spending to help cope with such suspicion. And finally, keeping personal finance will be useful to anyone who takes the credit. Living on credit is convenient, but troublesome.
One should always keep in mind how much money will be spent on interest payments. Get carried away and spend too much shopping - it means to run into penalties and interest. To avoid this, a tightly controlling all costs. And without personal finance can not do here.
What should be the program
1. Inexpensive
And the best - absolutely free. After all, we're going to save, rather than looking for another opportunity to spend money. A complex set of functions crammed program in most cases to nothing. Still, even half of the most remarkable features will remain unclaimed. Not the state of the finances of a large plant should be collected, and to conduct home accounting, they simply do not need.
2. Not too big
Downloaded from the Internet in a file size of a few tens of megabytes - a pleasure rather doubtful. Especially if you go out to the network using a modem. And the place on your hard drive is never enough.
3. Do not "lazy"
The rate of the program - one of the most important factors. After recording the electronic "Ledger" need every little thing. This means that it will often open. If the download of the program each time you will spend a lot of time, it starts to annoy you. And in the end make all quit.
4. Understandable
No buttons with cryptic icons! No professional accounting jargon. The program's interface should be accessible and understandable even to an absolute layman. Otherwise, the money that the children spend, blond wife or mother-in-law who lives with you, in the "Ledger" will never fall.
5. able to work at all
The family budget can be different. General where all the money add up to a bedside table, and spent together. Equity when the notorious "nightstand" one puts a predetermined amount, and the rest of their income disposed at its own discretion.
Separately, when common money in the family may not be. This means that the program must be able to count the money in different ways - either conducting calculations each family member individually, or all together, sharing personal income and spending, but counting the total family balance.
6. knows how to allocate fines
Some programs only work with a linear list of articles. That is, if the list has an article "Food", then it can not create sub-items - such as "Dairy products". But you will agree, it is much more convenient when it is possible to make an exact breakdown, so to speak, on the menu. Because then it will be clear, the love of what goodies hit hardest pocket.
And in the article "Shopping" is very convenient to separate subsections "Auchan", "Ramstore" and so on. D. That, by the way, allows you to compare prices for the same items in different stores. You can not just take into account costs of buying, and find out which product we leave more money, as well as that it spend more: Summary calculation will show that somewhere cheaper dairy products, but somewhere - cooking.
7. Vigilance
It is desirable that the program was an opportunity to set a limit on the cost of a particular article. For example, like this: "In April, I want to spend on the purchase of beer no more than so many rubles." When the spending limit for this article closer to completion, or is exhausted, the program will have to remind the user about it. But this "extra" expenses it should still be taken into account.
8. The ability to analyze
Just fix your payments and can be in the notebook. The program accountant have to be able to organize the information collected in graphic form to present the results of the owner. Just by looking at the graphs and charts, even the most notorious spender will be forced to think and do for themselves any conclusions.
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