As we studied and learn to save.

The subject of the family budget long time avoided me, and the family was not, (already in family life), with the husband somehow not especially thought where our money leaves. Is enough for food? Is enough. We buy clothes? We buy, and even on some equipment could gather in one or two months.

But life, as we know, introduces the amendments, and here we already waiting for the kid, and it already sets thinking, expenses rather big, and we decided to count with the husband where nevertheless we spend our honestly earned while at once moving to the new apartment was outlined, and there and repair and respectively given to the kid.

First, we counted our total income (before somehow everything was rounded), and created the file in Excel where began to bring the expenditure and to paint completely on what (if products, the list of products with their cost means). And of course, on a result it became visible what quite decent the sum leaves just on food and this with the fact that we have potatoes, and different solenya / turning costs eggs from the village to the storeroom. And on the fact that having sometimes come home from work just the laziness rolls all and there is a wish to have a bite fast and on side. It was decided to make the approximate menu for a week, and to buy products during week-end in hypermarkets (plus and discounts happen there), and on weekdays to buy in addition only necessary, for example, bread and milk.


The result did not keep itself waiting, and economy was on the person since we had enough piece of meat (and we with the husband generally of a kuroyeda) for a week, of course in combination with potatoes, pasta or rice. Any burgers, sparkling water, etc. passed into the background, i.e. of course at very strong desire (once a month), we can afford it, but once a month against four gives notable economy.

Sweet began to be taken less too, the frozen berries from the refrigerator at last found the application and began to bake with them pies.

Of course, to the ideal scheme of contents of the budget to us it is far, just because earlier we had no serious problems with the shortage of money (though also, as well as many have a credit and the maintenance of the apartment nobody cancelled), but with future replenishment at us nevertheless understanding that it is necessary to save money came, but not just "to eat" them and "to shirk". And now we postpone every month the sum for future repair since moving already comes nearer, and we buy plus given to the kid. And, of course, we use already everything the known rules, namely – not to go hungry in shop (it is checked on itself more than once, and always by hungry bought superfluous), and to go with the list of products, to inquire in shops in various actions, and to try to buy clothes "not during a season".

In our family initially the budget was the general therefore all large expenditure make a reservation and discussed in advance. All pluses and minuses are formed (up to the kitchen equipment, each hostess wants to have at herself in kitchen all last "novelties", but there is a risk that through some time the thing will just stop being necessary). For example, we still have no TV, it is simply not necessary to us since on the Internet it is possible to watch both movies, and series, and sporting events, respectively and need for it disappears, and existence of the computer in the house already almost indispensable condition therefore why to pay for 2 things if it is possible to use also one?

Now I can tell that record of the expenses one of the most convenient ways of introduction of the family budget, over time it becomes a habit, you already approximately know how many money and for what is necessary and how many it is possible to lay in store. It is possible to set before itself the purpose (to buy furniture, the TV, etc.), to understand on what it is possible to save for achievement of these purposes, at the same time it is not strong itself restraining, and just reducing some articles of an expense, or to replace something with cheaper.