How to make a family budget

Family budget planning Some seems complicated and unnecessary effects. But in fact, precisely thanks to the planning of expenses and income, the family will be able to control financial flows, return debts and loans on time, to postpone money for various purposes.

Regardless of how you will plan a family budget, you should follow the following recommendation: deposit from all income 20%. If there are loans, debts, half of the savings (i.e. 10%) should be sent to their repayment. The remaining 10% is under a strict ban. If there are no debt, all 20% can be sent to savings. By the way, they can be investing (if you understand this) to get an additional income. It is necessary to postpone immediately as soon as the money appeared, otherwise then they can just spend money. The remaining 80% subside on the cost of essential (rent, travel, food, the necessary household items) - 50%, and the cost of the desired (entertainment, decoration, expensive things, hobbies) - 30%.

When you pay all debts, forget about credit cards and regular loans. Try to live on your income. Then you will not have a situation that you will have to spend more than you earned. If it happened so that at the end of the month you spent not the whole amount, put it aside for savings - your dream will become a little more closer.

The most common way planning is to record all expenses and income (alleged and actual) in the notebook. But counting can take a lot of time, especially if you fill out the data is not daily.

More modern and economical in terms of time is planning in Microsoft Excel, Google Docs. Here you can use ready-made formulas, which greatly facilitates the task.

You can also plan a budget in special programs or online on the Internet. You can use the service Pearbudget. (But it is only available in the English-language version). In Russian, you can contact templates microsoft.com..

You are available for use forms and service table. docs.google.com..

As an option, consider the program Abilitycash. It can view accounts, expenditures and income, conduct operations, create reports.

On the site you can only download the executable file and configure it manually.

Starting planning budget, follow recommendations:

the main rule: we spend only what they have earned, and we plan to waste less than expected income (no loans!);
enjoy family support;
remember that this will help you regulate costs, postpone savings;
do not build the grand planners immediately, start with small;
sleep not just like that, but come up with a goal (accumulate on vacation, make repairs, buy a fur coat, to buy a car, postpone the first contribution of the mortgage);
the more expenses will be the costs of expenses, the more qualitatively you can process information for a period: to reduce individual articles, allocate new categories if necessary;
to store savings, open, for example, a deposit account (with the possibility of replenishment, but without the possibility of removing funds before the end of the contract).