No one has yet managed to succeed without intelligently managing money.
Each of us has a main income, however small it may be, but even this amount must be learned to manage . Like a small business, you need to distribute money, keep records, plan, and so on.
The management of a family budget helps to save money, since when creating special tables, it is possible to track where the money is leaking and what is best for which.
Learn how to manage your budget, and you will immediately notice how your financial situation has improved. This article will help you understand everything, and you will receive a template to keep home accounting.
Imagine that you are not managing the income (expenses) of a family, but are engaged in the economy of a small country. Money comes from various sources and is spent on different needs.
During a crisis, proper money management is more important than ever. In general, it is not so difficult, start to analyze all expenses and incomes, then to make a plan and build a schedule.
First you need to prepare reports for the month, it will help to see the big picture and make the right decisions. That is, continue to live as you do now, but keep statistics to figure out what needs to be changed.
The most convenient way to control family money is making a detailed report . You can create it in a regular Word or Excel document, and to make it easier for you, here’s a vivid example:
Your main task will be to increase the amount in the last line. The more you save, the better it affects the budget.
Of course, you shouldn’t limit yourself in everything, but such a table will at least help to get rid of unforeseen expenses. Every time you want to spend money, remember "I follow a clear plan."
Such a table can be filled with different information, but the most important thing is to indicate the main income and mandatory expenses.
It is impossible to refuse to repay a loan, pay utility bills or purchase products. Try to add absolutely all costs and revenues, the more detailed the table, the better.
As an option, you can make separate tables of the family budget (if there are several people working in a family).
It will be even easier to find out who is wasting money and who better not give a lot of money. Do not forget to include in the tables and unforeseen expenses, it always takes about 10% of the profits .
If you are constantly lacking money and no planning helps, it's time to think about additional work. Read how to earn 500 rubles a day, choose the appropriate methods and act.
Proper maintenance of the family budget can be one way to save a large amount. How to manage it, decide for yourself, but it is better to invest money on the Internet or in real life in order to significantly improve your financial situation and forever abandon savings.
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- Investment rule 1 to 100