Almost all people periodically experience monetary difficulties, it is especially manifested at the end of the month. And there is still not enough money if a person is mindlessly spending earned and does not follow his income and expenses, i.e. Does not conduct personal accounting. Can the income and expenses regarding the help in stabilizing the situation and how to consider income and expenses?
Revenues are a totality of absolutely all monetary revenues for the month. If this is a big family, then it is necessary to include the salary of parents, and grandmother pension, and a scholarship of the daughter. And any other social benefits, payment for the part-time at the wrong place of work, etc.
- Payment for utilities;
- Purchase travel tickets;
- Payment of phones;
- Credit fee;
- Payment for training;
- Nutrition.
This is the main list of payments, in which the family will feel comfortable, without climbing the debt. For each family, the main list can be absolutely different. After attracting that these vital things will need, for example, 35,000 rubles, they need to be taken away from 50,000 rubles. The difference of 15,000 can be planned to spend on entertainment, buying clothes, travel, etc.
- Balanced - income and expenses are equal;
- Deficit - expenses more than income;
- Property - incomes more than expenses.
The best will be the one when income exceeds costs. Extra money will always be found where to invest, and they can become a real chopstick, for example, during an unforeseen disease of the relative.
Although a big family, at least a lonely living man be sure to consider its income and expenses. It is the personal accounting that will help plan large purchases, rest on the sea and will be an excellent incentive in the desire for a better life.
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