in group Between us, girls
Planning of the family budget - a way to the treasured purpose
I think that of for what and as it is necessary to plan the family budget, know in each average family, especially now when financial wellbeing in our country – a concept relative. However at everyone the secrets and cunnings of such difficult business as management of the budget.
Nevertheless, I want to share the experience in the field of maintaining "family" economy. There is such wise statement of Thomas Karleyl: "Experience - the teacher who is expensively taking for lessons but nobody nauchat better it". And as today a subject of our conversation is economy. We will begin to save that right now - we will exchange experience, saving on its lessons.
What is economy and I learned reasonable expenditure in student's years when my independent adulthood began. Already at that time I understood that I should not be a dependent for the parents any more, and on the contrary, has to help of entering a university on the budgetary basis became first mine of steps in this direction. Then it became clear that good study gives not only knowledge, necessary and very useful to life, but also brings some "allocations" in the student's purse. to them
As I was not only the loving daughter and the student, but also the girl to whom styles and beauty are not alien, I had to cut and remake the budget on many parts.
Of course, the most part of money from a grant went home to compensation of mother's expenditure for housekeeping, something was spent for food, acquisition of stationery and literatures: books, grants and other materials necessary for study. The rest of my savings moved to savings.
Though I studied not on economics department, management of personal finance turned out at me not bad. Probably, because already then I had the most important – the vital purpose and a dream which, understood, without investments it is difficult to realize.
Later in my life there came the new stage including formations of economic policy – transition from maintaining the personal budget to maintaining to the budget family joint.
It turned out that development of the most such science as "economy" is easier, than training in its system of other person who is absolutely far from it. My husband treated that number of people who do not know it concepts as "savings" and "planning of the budget" at all, at whom salary disappeared in some mystical way in several days or weeks after its receiving and without commission of any large purchases or distant trips.
But as my director speaks: "To teach to dance it is possible even an elephant if the teacher good". And I (without excess modesty) the teacher, probably, good. Somehow quickly my husband understood that we have now joint (general) purposes and dreams which both want to reach very quickly, and money is for this purpose necessary.
I know that some married couples count the income expenses by drawing up difficult tables, schedules, maintaining diaries.
In our family there is nothing of that kind. There was enough the fact that in the first month of joint life we carried out the analysis of profit and losses, that is income gained by each of us, obligatory expenses which we should make monthly (utility payments, taxes, payment of the Internet, cellular communication, gasoline) and additional expenses which size had no accurate regulated size (food, clothes, cosmetics, household chemicals, gifts for birthdays and carrying out holidays).
On the basis of it the plan calculation according to which maintaining such budget we could achieve the large-scale objectives in three years was made. However, to my pleasant surprise, we managed not only to implement the drawn-up plan of earlier established period, but also to exceed it by 1, 5 times. But it does not say at all that we strictly limited ourselves in all delights of life and saved on trifles.
Our family just managed to master a secret of the family budget – to learn correctly to distribute income and to control expenses.
I will share some rules of maintaining ours of "family economy":
1. Never to borrow money and also to refuse the short-term credits and loans. It learns to count in all situations only on itself, promotes refusal of many unnecessary expenditure and also allows to keep mentality in tranquility. The constant feeling that it is necessary to repay a debt, brings to the person a lot of stress and experiences.
2. To lay off from the salary at least small percent in savings. At emergence the unforeseen needs for money it will allow not to ask on credit.
3. Not to make purchase in day of receiving the salary because existence on hands of a large sum of money leads to rash and unnecessary acquisitions.
4. To visit grocery stores of times a week and with the list that there was no idea to buy goods on actions which are not necessary at all.
5. It is very favorable to make wholesale purchases too. If suddenly the package of sugar or grain for one family seems superfluous, then it is possible to make such acquisition together with friends or neighbors, having divided packing on several.
6. Some things are much cheaper in online stores than in usual shopping centers and if they still manage to be got in days of actions when, for example, delivery is free, then economy will be obvious.
7. To get houses a moneybox for a trifle which is handed over in shop. In a definite time there the decent sum will be found.
8. Not to neglect discount cards which offer in shop. Discounts, though not big, but bring some economy of the budget.
9. It is favorable to buy clothes at the end of a season. For example, on fur coats in shops do big discounts at the end of winter.
10. The ability is correct to select clothes allows to save the family budget considerably. For example, will be cheaper instead of two dresses to buy one dress and to it a thong, a silk kerchief and a beads. It will be possible to create every day a new image, putting on this dress, having only picked up to it something one: thong, kerchief or beads. Shoes and a handbag it is not obligatory to buy each dress towards the color. Classical black or white shoes and a bag will approach clothes of any color.
11. Too it is possible to save on cosmetics if to consider when choosing the type of skin, a hair, a way of life. For washing of an oily hair you should not buy the shampoo intended for care of normal and dry and to pour out a half of a bottle on the head for once, trying to wash out hair.
12. Expensive saloon procedures can quite be replaced with personal care in house conditions. It is easy to prepare many masks, creams, lotions from the products which are available in each kitchen, and they give effect not worse than factory cosmetics. And we were convinced of it thanks to our favourite website wowcharm more than once.
13. Sometimes instead of a trip on the car it is better to walk on foot, it will turn out not only to walk in the fresh air and to get healthier, but also to save on an expense on gasoline.
14. It is more favorable to replace lunches in cafe or the dining room with homemade food, besides it will be much more tasty and more useful.
15. Expensive vitamins and dietary supplements can quite replace cheaper seasonal fruit and vegetables.
16. For maintenance of in sportswear it is optional to acquire the subscription to the gym, regular morning jogs in comfortable clothes or occupations yoga on a rug of the house yield not smaller result.
17. Tariffs of cellular communication and the Internet it is possible to pick up economic too.
18. If it was succeeded to gain unforeseen income, you should not spend it for unplanned needs at once, it is better to fill up with it the savings.
19. To have a rest and fun, to go optional regularly to movie theater or night club, house family viewing of the movie on TV or on the Internet, the tea drinking and conversations at a table among the friends and the family will cost cheaper, and it will be not less impressions and emotions.
It is only a small part of councils as it is possible to save the family budget. The main thing – rational distribution of income and planning of expenses, ability to create and conduct fund of savings. In this case quickly it will be possible to realize the real purposes - to get the apartment or the car, but also there will be bonuses to indulge themselves, for example, on rest abroad or a trip to the sea.
All of financial stability and implementation of the family purposes and dream!
Nevertheless, I want to share the experience in the field of maintaining "family" economy. There is such wise statement of Thomas Karleyl: "Experience - the teacher who is expensively taking for lessons but nobody nauchat better it". And as today a subject of our conversation is economy. We will begin to save that right now - we will exchange experience, saving on its lessons.
What is economy and I learned reasonable expenditure in student's years when my independent adulthood began. Already at that time I understood that I should not be a dependent for the parents any more, and on the contrary, has to help of entering a university on the budgetary basis became first mine of steps in this direction. Then it became clear that good study gives not only knowledge, necessary and very useful to life, but also brings some "allocations" in the student's purse. to them
As I was not only the loving daughter and the student, but also the girl to whom styles and beauty are not alien, I had to cut and remake the budget on many parts.
Of course, the most part of money from a grant went home to compensation of mother's expenditure for housekeeping, something was spent for food, acquisition of stationery and literatures: books, grants and other materials necessary for study. The rest of my savings moved to savings.
Though I studied not on economics department, management of personal finance turned out at me not bad. Probably, because already then I had the most important – the vital purpose and a dream which, understood, without investments it is difficult to realize.
Later in my life there came the new stage including formations of economic policy – transition from maintaining the personal budget to maintaining to the budget family joint.
It turned out that development of the most such science as "economy" is easier, than training in its system of other person who is absolutely far from it. My husband treated that number of people who do not know it concepts as "savings" and "planning of the budget" at all, at whom salary disappeared in some mystical way in several days or weeks after its receiving and without commission of any large purchases or distant trips.
But as my director speaks: "To teach to dance it is possible even an elephant if the teacher good". And I (without excess modesty) the teacher, probably, good. Somehow quickly my husband understood that we have now joint (general) purposes and dreams which both want to reach very quickly, and money is for this purpose necessary.
I know that some married couples count the income expenses by drawing up difficult tables, schedules, maintaining diaries.
In our family there is nothing of that kind. There was enough the fact that in the first month of joint life we carried out the analysis of profit and losses, that is income gained by each of us, obligatory expenses which we should make monthly (utility payments, taxes, payment of the Internet, cellular communication, gasoline) and additional expenses which size had no accurate regulated size (food, clothes, cosmetics, household chemicals, gifts for birthdays and carrying out holidays).
On the basis of it the plan calculation according to which maintaining such budget we could achieve the large-scale objectives in three years was made. However, to my pleasant surprise, we managed not only to implement the drawn-up plan of earlier established period, but also to exceed it by 1, 5 times. But it does not say at all that we strictly limited ourselves in all delights of life and saved on trifles.
Our family just managed to master a secret of the family budget – to learn correctly to distribute income and to control expenses.
I will share some rules of maintaining ours of "family economy":
1. Never to borrow money and also to refuse the short-term credits and loans. It learns to count in all situations only on itself, promotes refusal of many unnecessary expenditure and also allows to keep mentality in tranquility. The constant feeling that it is necessary to repay a debt, brings to the person a lot of stress and experiences.
2. To lay off from the salary at least small percent in savings. At emergence the unforeseen needs for money it will allow not to ask on credit.
3. Not to make purchase in day of receiving the salary because existence on hands of a large sum of money leads to rash and unnecessary acquisitions.
4. To visit grocery stores of times a week and with the list that there was no idea to buy goods on actions which are not necessary at all.
5. It is very favorable to make wholesale purchases too. If suddenly the package of sugar or grain for one family seems superfluous, then it is possible to make such acquisition together with friends or neighbors, having divided packing on several.
6. Some things are much cheaper in online stores than in usual shopping centers and if they still manage to be got in days of actions when, for example, delivery is free, then economy will be obvious.
7. To get houses a moneybox for a trifle which is handed over in shop. In a definite time there the decent sum will be found.
8. Not to neglect discount cards which offer in shop. Discounts, though not big, but bring some economy of the budget.
9. It is favorable to buy clothes at the end of a season. For example, on fur coats in shops do big discounts at the end of winter.
10. The ability is correct to select clothes allows to save the family budget considerably. For example, will be cheaper instead of two dresses to buy one dress and to it a thong, a silk kerchief and a beads. It will be possible to create every day a new image, putting on this dress, having only picked up to it something one: thong, kerchief or beads. Shoes and a handbag it is not obligatory to buy each dress towards the color. Classical black or white shoes and a bag will approach clothes of any color.
11. Too it is possible to save on cosmetics if to consider when choosing the type of skin, a hair, a way of life. For washing of an oily hair you should not buy the shampoo intended for care of normal and dry and to pour out a half of a bottle on the head for once, trying to wash out hair.
12. Expensive saloon procedures can quite be replaced with personal care in house conditions. It is easy to prepare many masks, creams, lotions from the products which are available in each kitchen, and they give effect not worse than factory cosmetics. And we were convinced of it thanks to our favourite website wowcharm more than once.
13. Sometimes instead of a trip on the car it is better to walk on foot, it will turn out not only to walk in the fresh air and to get healthier, but also to save on an expense on gasoline.
14. It is more favorable to replace lunches in cafe or the dining room with homemade food, besides it will be much more tasty and more useful.
15. Expensive vitamins and dietary supplements can quite replace cheaper seasonal fruit and vegetables.
16. For maintenance of in sportswear it is optional to acquire the subscription to the gym, regular morning jogs in comfortable clothes or occupations yoga on a rug of the house yield not smaller result.
17. Tariffs of cellular communication and the Internet it is possible to pick up economic too.
18. If it was succeeded to gain unforeseen income, you should not spend it for unplanned needs at once, it is better to fill up with it the savings.
19. To have a rest and fun, to go optional regularly to movie theater or night club, house family viewing of the movie on TV or on the Internet, the tea drinking and conversations at a table among the friends and the family will cost cheaper, and it will be not less impressions and emotions.
It is only a small part of councils as it is possible to save the family budget. The main thing – rational distribution of income and planning of expenses, ability to create and conduct fund of savings. In this case quickly it will be possible to realize the real purposes - to get the apartment or the car, but also there will be bonuses to indulge themselves, for example, on rest abroad or a trip to the sea.
All of financial stability and implementation of the family purposes and dream!
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I think that of for what and as it is necessary to plan the family budget, know in each average family, especially now when financial wellbeing in our country – a concept relative. However at everyone the secrets and cunnings of such difficult business as management of the budget. Nevertheless, I want to share the experience in the field of maintaining "family" economy... Read more: |
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