We eat at home, cook for yourself and visit the sales
Any average family is a kind of small economic model of the state, which necessarily there is such a thing as a budget. It much depends on how much there is compulsory expenditure and what is the average monthly income.
And learn the proper planning and allocation of money you need without fail. It's not only a way to save money, but also an opportunity to encourage children by example care of the finances and the things that is given to them easily. And since in most cases you are the hostess, do basic household chores, and then you have to learn the main techniques on how to save money in the family, in order not to cause it to default.
The main ways to save your home
To begin, it is important to understand that the question of the rational allocation of the family budget consists of two main aspects - psychological and mathematical. In the first case we will focus on unnecessary purchases, for which money is spent impulsively, without a clear need. It is often momentary desire is stronger than the arguments of reason, and we buy something without which we can easily do without. For example, a regular dress, lipstick or perfume women gain only because consultants shop suddenly drew their attention to a very attractive discount. And men can make hasty purchases, especially when it comes to entertainment industry.
Therefore, every family should adopt such councils, for example, the separation of planned expenditure in two parts: mandatory and optional. The result in the form of money saved in the first month will give you and other family members. For a useful initiative did not disappear, no harm will be in addition to the global objectives and to identify those that can be achieved in the foreseeable future. For example, to allocate a part of the savings to going to the movies, a trip to a water park or leaving the countryside.
The essence of the mathematical approach in the proper distribution of the family budget is to immediately determine how much cash you need to allocate:
rent and utilities;
food and medicines;
household chemicals;
clothing and entertainment.
But it should be clearly understood how much money will go to the above categories, and to determine the minimum and maximum amounts for each of them. After all, the size of the total monthly family income will depend on the amount of waste.
Keep a notebook in which to record the income family per month, and all of its costs, both mandatory and optional. Perhaps the first time it is better to live in a familiar mode without saving. This will help create a real picture of what, in your opinion, the most out of money. After analyzing the records, you will be able to quickly understand what exactly points to be more economical.
Why can not postpone spending priorities?
So, according to the psychological approach to the issue of saving the family budget, you have to set priorities, and using math - you know all sizes unavoidable monthly expenses. But this is not enough, so you need to use the first rule of thrift. It is mandatory that all purchases and paying bills to do for a day or two after your family members got paid.
But why are these issues with those who are trying to save, you should hurry? It is very simple and is explained by the usual human factor. After all, if your disposal is a large sum of money, you want to relax and treat yourself and loved ones with some nice shopping or entertainment. Why not, after all money is permit? Of course, it's very good, you need to relax, enjoy life, too. But very often after such reckless spending, you find yourself in a situation where the next paycheck to at least another ten days, and money remains on rent and utilities.
But it has yet to be food expenditure, kindergarten, developmental classes, sports clubs or dances. Probably someone from the members of the family need to buy clothes or shoes, perhaps in front of someone's birthday or other celebration. So it turns out that free money was not as much as it seemed.
Therefore it is better immediately after receiving salary close all the issues related to mandatory payments, and plan the rest of the expected costs. And only then, on the basis of the balance amount, think about fun and enjoyment. Believe me, those funds that are due to remain in your hands, do not give all capabilities without regard to waste like this could happen with a large sum of money in the first few days after the wages.
Divide and set aside
The second rule is to distribute, and it will help you to accurately take into account all future expenses. To do this, initially set up an envelope to sign in accordance with the planned costs, for example, "the rent and communal", "food", "garden, sports, dance," "gifts for the holidays" and so on. Do not forget about the envelope with the word "savings".
Train yourself on the first day salary to allocate money for this, so to speak, "shelves". The amount should be deferred in an envelope called "savings" must be at least 10% of the total family income. If you can save more money, it's fine, if less - Analyze the costs. However, do not forget that indulge in everything for the sake of global goals can often only adult, and even then not all. If your family has children, do not deprive them of entertainment. Just enter feasible limit and slightly re-orient.
For example, your family is accustomed to over the weekend to go to the shopping mall and spend a lot of time, leaving a tidy sum of money? This tradition is correct, retaining the basic idea - to spend time together. During warmer months, have a picnic in a nearby park or just walking around the city: the children will be able to breathe fresh air, run and stretch their legs, and parents - to recall period of love and walk hand in hand, as in the old days. In winter, a family making a snowman, toboggan, play snowballs.
Of course, sometimes the weather does not allow actively spend time on the street, but in any case to be in the entertainment center, you'll be less likely. And this is a positive impact on the budget of your family even in the sense that it would save on drugs. After all, in the winter season the risk of catching a viral infection in crowded areas is very large. Therefore, if you take a walk on the street all together does not work, then enter another tradition, for example, to sculpt cakes or dumplings with the whole family. And at home, and everything in business, and fun.
We eat at home, cook for yourself and visit the sales
So gradually we approached one of the most costly items of expenditure namely the means to go on food. First of all, you should determine how much money a family spends 10 days for food. To do this, fix that and how much of that time has been bought. Further analysis is required again. Carefully review the list, and if it has a large number of semi-finished products, crisps, sweets and cakes, in principle, the answer to the question of where to save, you can close.
Many women in the eternal bustle of trying at least not during the week to spend time cooking food, and buy dumplings, meatballs and sausages in store. And even salads from supermarkets are often part of a family dinner. Of course, it is faster and easier. But clearly cheaper and, moreover, is not useful natural home-cooked meals. Therefore, to save money and preserve the health of themselves and their family members, get rid of the habit of eating ready meals. And once again going to the supermarket, prefer meat, fish and vegetables, dumplings and sausages leave bachelors.
In order not to make the process of cooking dinner in a torture for yourself after a busy day doing homework on weekends and freeze them blank. Knowing that the refrigerator has its semi-finished products, you will not buy the store. Instead of ready-made pies bake themselves. Start with simple recipes and to involve the children. Mother's pies taste - the taste of childhood. But apart from cooking at home, there are a few ways to cut spending.
Do not go to the store hungry, and it will type a lot of extra food.
Buy many products with limited shelf life, as you can eat.
Carefully make a list of purchases and take the money as their number is only slightly higher than the estimated amount of the check.
Plan your menu for the week and choose simple recipes.
On the market is better to go in the afternoon when the sellers are willing to bargain.
On the question of buying clothes and shoes also should be approached thoughtfully and acquire needed new clothes at the end of the season. But do not skimp on quality - it is better to buy a smaller, but the really good things that last a long time. Try not to make impulse purchases influenced by discounts and great deals at the beginning of the season, especially as in many stores before a thing hang tag «sale of 50%", it may inflate the price previously.
As for the cost of household chemicals, some housewives prefer to wash laundry soap and wash dishes using flour, soda or mustard. It is, perhaps, a good way to save money, but it does not fit all.
If you are afraid of monthly bills for electricity and water use, pay attention to the habits of family members. Perhaps in the rooms often lit unnecessarily light simultaneously work all TVs, and a washing machine and dishwasher are not included at full load, but if you want to rinse a few dishes or wash a shirt.
Situation of each family, associated with the need to save, are different. Someone is trying to save on the purchase of the coveted car, someone does not have enough money for independent housing, someone in general because of certain circumstances, to temporarily deny yourself in all but the most simple. However, in our difficult time of crisis it is helpful to learn the basics of rational expenditure, even those of us who do not suffer from a lack of finance. But do not forget that the whole must comply with the measure and common sense. So be economical!
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