Often I hear from friends phrase: "Wages have only recently received, and there is no money."

 

"Where all the money gone, I'll never know."

 

"Just do not know how to save - we like a lot, but still defer fails."

 

And I was so at first, when I had to independently manage their finances. Sometimes you sit and think - what I spent my money?

 

At some point I realized that this could not go on: the money fly away like dust, but I can not say exactly what they were spent. I decided it was time to more responsible attitude to home finance. But how? Where to start?

 

Household Finance, as well as finance any business in need of supervision. And if any company is accounting, so why not start bookkeeping home? I decided that I will lead the planning of income and expenditure, accounting and cost control, and analyzing the results, decide on what to spend too much money from the family budget, and what not. And how much money can be painless for the day to postpone for tomorrow's big acquisition.

 

Plan your income and expenses.

 

Planning I spend on a certain day of the month - in front of the largest infusion of home finance. I write all future income of our family for the current month. Summarize. Then plan on spending. Unfortunately, the strings of expenditure is much more than income in the article, but what can you do? I would like to, of course, that was the opposite, but it probably will not happen.

 

So, planning costs, which takes into account first of all utility bills, pay the bills for the phone, spending on mobile phones. Incidentally, in the Soviet times the monthly expenses such as utility payments, user fees kindergarten money for school lunches, took less than 10% of the family budget. Who is required monthly payments, most of our countrymen eat a lot more.

 

Scheduling the required payments, proceed to the planning of expenditure on food. In the first month is unlikely to succeed to accurately estimate the cost of food coming, but slowly this complex science mastered any. It is important not to forget to take into account how much money is put on the dinner, if someone from the family during the week is powered out of the house. Approximately estimate the amount of future expenses for food, have recorded.

 

Be sure to plan expenditures for household needs for hygiene products, cosmetics, etc. Plan costs for gasoline, travel on public transport. Do not forget to budget line to line "Reserve". Suddenly, you will have unexpected expenses - gifts, visits to the dentist, car repair, shoes, household appliances, etc.

 

Scheduling all the necessary expenses, calculate the balance and decide how we will dispose of them - that will buy anything, or put it off. I use this principle of balance: I divide it into three equal parts.

 

One part we can spend on themselves this month - to buy some clothes, books, CDs, visit the restaurant, go to the movies, theater, etc.

 

The second part goes into the so-called medium-sized acquisitions - furniture, appliances, materials for repairs, etc. If the money this month is not enough to buy a desired, they can be deferred until next month.

 

Well, the third part, I save on large purchases (such as an apartment or a new car). As if I did not want to buy this month, dear thing, I still will not go beyond what I had planned.

 

I'm trying to think of spending a few months in advance - if, in December, I plan to buy a fur coat, the money from the first part of the remainder in a few months I did not spend one hundred and first on the jacket and two hundred and second drive for my son. All that is not spent in a month, goes to the next, and then not the next. So - Opa! - And in December I had a new coat.

 

Accounting and control costs.

 

In the first six months of bookkeeping, I wrote down every single expense paydayloan. For this, I drew a table in a notebook. In the vertical columns of recorded types of expenses. Moreover, the cost of food divided into subspecies - milk, bread, meat, sweets, fruits, vegetables, groceries, butter and cheese, fish, etc. In the horizontal rows of recording the date and type of waste flow, and put the price in the desired cell: 5.01, cottage cheese, 2n. - 40 p. (In the box "milk"). Counting the cost kept for the day, week and month, and month - according to species and subspecies of expenditure.

 

At first hard to get used to record all expenses, but eventually you get used to memorize the prices in the stores, how much and what is spent. Over time, there is a skill. It is convenient to collect all the checks in her purse for the day and evening five minutes to get enough checks and record all costs.

 

There is a very handy software that help you keep your home accounts. They facilitate your work, because the program itself finds and displays the result. Your program can cost in the form of charts and graphs - then you clearly see what expenses you really going wild. Many such programs are available for free download on the Internet. When you have decide how much and what you spend per month, and what you can safely save, strict control of expenditure can not lead.

 

Analysis.

 

So, counting the costs of holding and keeping before the eyes of the real numbers, we can proceed to the analysis. In the first months of expenses, I was shocked by the size of the amount we spend on sweets. After all, cookies, rolls, chocolate, ice cream and cakes do not use a lot more harm. And I am planning in the coming months the cost of food, reduced the amount, as it turned out, what with no harm (most usefully) for health, you can save on food.

 

Analysis of the results of cost-accounting shows you exactly what you're spending too much and making conclusions, you can save your money.

 

A woman, seeing how much money a month she spends on cosmetics, will be horrified. Someone saw a figure in the "Cigarettes", will receive a powerful incentive to quit smoking and at the same opportunity to save.

 

Due to the results and analysis, you can clearly plan costs for the next month. And I certainly will always know where, as the dust flew your money.

 

I want you to discover this way of doing home accounting. He will lead you to prosperity and well-being. The main thing - do not overdo it and do not turn into Plushkin!