Distribution of family expenses as a percentage. How to distribute the family budget for the month

14 276 0 Hello, dear readers of our site. Today we will tell you about family budget, or rather about how to manage it, how to calculate a family budget for a month and much more. A family budget is a family’s income and expenses for a certain period of time, for example, one month. There are several methods for maintaining a family budget that will ensure a reasonable distribution of finances and will allow you not only to avoid getting into debt, but also to save up to 20% wages.

Types of family budget - planning

When planning a budget, you need to take into account the type of budget that is specific to your family. Decide what kind of it you will have: separate, common or mixed . Discuss the priorities of each spouse (education, investments, loans, creating own business) and only after that start planning your family budget.

Separated

A separate family budget has gained particular popularity abroad, but in our country, many families practice a similar method of distributing financial resources. A separate budget is usually preferred by wealthy and successful people When a certain amount is allocated for housekeeping, each spouse spends the remaining money on personal needs.

Advantages:

• can be saved for personal account a significant amount;
• fewer reasons for quarrels in the family;
• absence of family litigation in case of divorce.

Flaws:

• if you have children, then a separate family budget will not work: it’s strange for your son to chip in for sneakers or a car;
• for people who imagine family life as joint activities, such relationships are also not suitable - it will be difficult for them to understand how they can have something separately from common interests families;
• transform family relationships In exclusively business situations it is impossible.

Mixed

A mixed type of family budget involves allocating, for example, 80% of the wife and husband’s salary for housekeeping, and everyone spends the rest on themselves. If the spouses managed to save up for expensive thing or unforeseen circumstances arise, the rules change. You can take money from the general cash register when you need it.

Advantages:

• an honest approach to those who have less income;
• Each spouse has personal funds, and there is no need to ask for money;
• such an approach to money indicates that the relationship between the spouses is well-established and mature.

Flaws:

• maintaining a mixed family budget is not suitable if only one of the spouses works;
• neither the husband nor the wife has the desire to take responsibility for the common money;
• one of the spouses is silent about part of the income.

General

The most common type is the general one, in which both spouses bring all the money they receive into the family, and then decide where to spend it.

Advantages:

• talking about relationships of trust between husband and wife;
• a spouse who does not work or receives a lower salary does not feel inferior;
• you can make large purchases, since two salaries are usually a significant amount.

Flaws:

• not suitable for families where one of the spouses may deny themselves everything in order to buy a TV, while the other may, without hesitation, buy something for themselves;
• the husband or wife does not tolerate the lack of personal money;
• This type of budget is not recommended for families where one of the spouses is pathologically greedy or leads an ascetic lifestyle and is of little interest in the needs and desires of the second spouse.

What to consider when planning a family budget

When starting to draw up a family budget for the month, analyze your income and expenses for the previous months. To do this, you need to start keeping records in advance. Money. Having such data on hand, planning your expenses will not cause any difficulties.

Basic components of the family budget:

• income of husband and wife (salary, social benefits, pension, part-time work);
• expenses (mandatory, for children, family, personal);
• reserve fund (“financial safety net”);
• investments.

Income

Income for the total family budget includes the wages of the wife and husband. If earnings are unstable, then it is reasonable to set aside some of the money, forming a “safety cushion” in case of a small influx of money. In the month where a large amount comes into the family budget, set aside 20% or more, if possible.

Expenses

When calculating expenses, take into account income; they must correspond to each other. If you break this rule, debts will inevitably appear.

Tips on how to reduce consumables:

1. Buy less. This will save not only money, but also time. If you buy less food, the amount of expired food you throw away will be reduced, and sometimes there will be nothing to throw away. A pre-compiled shopping list will help protect you from spontaneous purchases.

Ignore the advice of psychologists to go shopping to lift your mood, as well as advertising. The mood will always be good, if you have money in your wallet, unplanned shopping will only contribute to a momentary and short-term increase in mood. Changing habits will be difficult at first, but over time everything will return to normal.

1. Buy cheaper. Usually things and food purchased under the influence of advertising are expensive. For example, buying an expensive mobile phone, only because it was well advertised and is considered a prestigious thing. Sometimes the own products produced by large supermarkets are in no way inferior to other more advertised brands. Control your desires, look for more financially profitable options, learn to bargain.
2. Analyze. By carefully recording your expenses and analyzing them, you can find out where most of your money is going. When making purchases, you will not notice many nuances; they will emerge only when analyzing the purchases made. This technique will allow you to control costs.
3. Avoid unnecessary expenses. For example, when cooking, take care of your clothes; you can change casual outfits at home or wear an apron. Taking care of your shoes will extend the life of your shoes: use creams, sprays, varnishes, and promptly clean them from dirt.
4. Use cash. Psychologically, it is easier to part with non-cash money than to count out cash.

Own housing

If you don’t have your own house or apartment, then it’s worth including in the family budget the column “saving money for your own housing.” Living with parents creates conditions for additional conflicts and does not allow building family life on your own, so it’s not entirely convenient.

Reserve part or “financial safety cushion”

This part of the family budget includes finances that may be useful in case of unforeseen circumstances. There must be a reserve of funds that will allow the family to survive for several months if one of the spouses loses their job. To purchase or repair a broken household appliances(For example, washing machine) the reserve fund is also used.

Investments

This is part of the family budget that will generate passive income. This is a bank deposit, real estate, shares.

The wisest thing is to get rid of debts and loans as quickly as possible, since they negatively affect psychological condition. Try to accumulate investments in order to receive passive income in the future; the family budget will greatly benefit from this.

Methods of maintaining a family budget

One of the simple ones, but very effective methods maintaining a family budget - divide it into three main parts:

• 50% of income is spent on paying for utilities, housing, food;
• 30% is spent on entertainment and other unnecessary expenses;
• 20% goes to pay off loans and debts or is put aside as savings.

One of the variants of this technique involves spending 20% ​​of income on creating a financial “safety cushion” and paying off debts, and 80% on other needs. There are other methods for maintaining a family budget, the most popular are “Accurate Cost Management” and “Four Envelopes”.

Accurate cost management

Maintaining a family budget using this technique involves carefully recording every penny spent. It will require effort and time, which will more than pay off in significant financial savings (up to 20% of income). Few people are able to record every purchase, including food, but you will have to do this daily, for which it is better to use an Excel spreadsheet.

Create a table in Excel where you divide your expenses into 5 columns. First, write down utility bills (electricity, internet, rent). In the second - buying food, in the third - paying for personal needs, in the fourth - spending on entertainment, in the fifth - unforeseen expenses. In the evening, enter the amount spent in each of the columns (if there were any expenses) and at the end of the month you will see the real expenses. This will allow you to approach the distribution of money more thoughtfully.

You can add other columns by adapting the table for yourself, for example, household chemicals, caring for a pet, child, parents. The main thing is not to forget to record every little detail and you will understand how to distribute the family budget more wisely.

The most popular family budgeting spreadsheet.

The technique is suitable for those who are not able to record every penny spent. As soon as you receive your salary, immediately set aside 20% - this will be savings. Pay public utilities, and divide the remaining money into 4 equal parts and put it in envelopes. Each of these will make up your weekly budget. If the week is over and there is money left in the envelope, you can spend it on yourself or put it into savings.

This technique is good because it does not require painstaking cost accounting. As soon as you start spending money thoughtfully, the desire for spontaneous acquisitions will disappear.

A table of family budget expenses cannot be compiled at once. You will need to thoroughly find out where the money is being spent. This will take 1-2 months. The best option is to make a table in MSExcel; this will allow you to provide detailed explanations for each document, since the program includes several interconnected tables.

How to create a family budget in Excel

With a general family budget, the income and expenses of the family budget are scrupulously entered into the table every day, and first you need to fill out the “income” columns. Then mandatory expenses are planned:

• debt recovery;
• creation of reserves (savings);
• formation of family capital.

The next step is planning current expenses:

• general (for children, variable, permanent);
• personal expenses of husband and wife.

Here you can add a column for “unforeseen expenses”, which can be no more than 10% of the income.

Expenses in the family budget are very diverse and to complete the picture, it is advisable to describe them in as much detail as possible. First, write down your expenses and then divide them into subtypes. Usually they are repeated monthly, so you will only need to change the numbers; you will not have to re-enter the table header. Set the “Total” and “Deviations” columns to automatically calculate the amount.

Separate budget

In this case, divide the family budget table into two tables: the personal budget of each spouse, where you indicate the income of each spouse separately. The general part should include expenses for family needs, child support and personal expenses.

Mixed type of family budget

First, create personal expenses separately for each spouse. This can be a percentage of the total family income or the husband and wife's own income. Distribute the rest for your family's needs.

Services and programs for convenient planning and maintaining a family budget

• There are programs for home accounting, for example, AlzexPersonalFinance, which is based on the division into categories of income and expenses. This makes it possible to see where the money was spent without studying and analyzing reports. The program can be downloaded to a USB flash drive, installed on any external drive and always have the version for your tablet or mobile phone with you.

There are two versions of AlzexPersonalFinance:

1. Personal- intended for one user, additional options may not be available.
2. a commercial- designed for one user, with access to all program options (restricted access rights, user accounts, events, counterparties, tasks).

AlzexPersonalFinance has ample opportunities and unlimited nesting of a tree-like system of categories, there is a large number of labels for each transaction. Credits and debts are kept track of, financial goals are tracked and expenses are controlled. Reports can be presented graphically and printed. It is possible to organize transactions by day in the calendar.

• AlzexPersonalFinance program

By using this program, you will not only understand how to manage a family budget, but you will also do it as wisely as possible.

Another program for managing a family budget is called “Housekeeper”, developed by AmoSoft. The program will make your financial situation stable and control your spending. Distinctive features are a simple, intuitive interface; even people who are far from accounting and computers.

Spend a few minutes daily entering data and at the end of the month you will see the most complete picture of the state of your family’s finances. Reports are provided in graphical form, which allows you to clearly see the strengths and weaknesses of the family budget.

The program will tell you how to save your family budget, preventing thoughtless spending.

• "Home Finance"- the program combines flexibility and reliability in organizing the movement of family money.

The interface is well thought out and simple, intuitive even for not very experienced users. The program will allow you to detect weak spots family or personal budget, as well as organize the optimal flow of financial resources.

• "Home accounting".

The program is easy to use, and you will find all the necessary functions in it:

1. profit and loss accounting;
2. payment planning;
3. debt accounting;
4. control of accounts;
5. exchange rates.

The only disadvantage of “Home Accounting” is that you will have to pay 500 rubles to use it.

• MoneyTracker

MoneyTracker is designed for accounting, it is convenient to use, but you will need to tinker and figure out what's what, since the program has a lot of functions. Distinctive feature programs - the ability to control price changes in stores, which allows you to create a budget forecast for months or a year. There is a utility that shows how much you spend (a green indicator means everything is fine, a red one indicates that the family budget is in danger).

• "DomFin"

The DomFin program can be used for free, the interface is primitive: the functions for accounting are clearly and specifically set out. It is intuitive where to record expenses and where income should be recorded.

• AceMoney

To use the program you will have to pay 500 rubles. In the free version you can only use one account, which is inconvenient. Negative point- in AceMoney there is only one operation: transaction; you will not find “income” and “expenses” sections.

Advantages of AceMoney:

• You can keep records of securities and shares;
• There are templates by which you can distribute expenses (utilities, food), you don’t have to do them yourself;
• you can monitor the status of your bank accounts (for example, at what percentage is the money at).

To choose the optimal program specifically for your own needs, you need to clearly understand the goal you want to achieve. Also, the program should be selected taking into account the characteristics of a specific family budget. For some, certain features are completely useless and will never be needed.

1. Don't forget the reason why you decided to start planning your family budget. This is not because it is necessary or someone said so, but in order, for example, to reduce expenses.
2. Clearly define for yourself the ultimate goal of your actions. For example, by the end of the year, save up for a car.
3. Accounting for income and expenses must be very accurate and thorough.
4. Think about ways to form a “financial safety net” for your family.
5. Set aside money in bank deposit accounts without the possibility of withdrawal until the end of the period. There are deposits that can be replenished, but cannot be withdrawn until a certain date.
6. Look at your own actions realistically: you cannot become an ace in managing the family budget in one month, start small.
7. Don't be afraid to radically change something in the family budget. Things are always changing in life, including your salary and expenses.
8. Divide one big dream into several small steps, this will make the path to achieving your goal easier.

Useful articles:

The difficult economic situation in the country has greatly affected the wallets of many Russian families. Families that cannot properly plan their expenses and take into account the money spent are often faced with the fact that they live from paycheck to paycheck, with nothing left until the next paycheck, sometimes even having to borrow money, but no important acquisitions or major purchases They didn't do it within a month. Therefore, you have to plan a budget and reconsider the formation of needs.

It often happens that two families with approximately the same income per person live differently. So, some buy food, clothing and save money, while others do not have enough money for basic household needs. And the whole secret is in proper planning and distribution of your budget funds.

There are many techniques and methods for budget planning. We invite you to familiarize yourself with some of the most effective, according to leading experts and economists, they are considered the “7 envelopes” method and three systems for proper planning of the family budget:

"7 envelopes" method

The essence of this technique is that the husband’s salary, on the day it is received, is divided into seven envelopes. If there are incomes of other family members, they are also placed in these envelopes. Each envelope implies a separate expense item:

1. Purchasing food.
2. Payment of utility services.
3. Vacation.
4. Stash.
5. Purchase of clothing, shoes, furniture and household appliances.
6. For children, purchasing clothes, shoes for them, for kindergarten and school, spending on training and development.
7. The seventh envelope contains everything that is left until the salary. Let's call it “For a Dream”. In the future, the money from this envelope will help make your dream come true.

For example, in a year, two or several years, buy a car or go on an expensive trip.

In this method, it is also important to correctly formulate the deferred amounts; for this you must follow several rules:

• calculate how much money is spent on food based on expenses for previous months.
• Think about your vacation based on your real capabilities. If you don’t have money for a trip to the sea or abroad, then you can relax in an inexpensive boarding house, in a country house or in a village. Remember about envelope 7, with the help of which you will be able to go on an expensive trip after a while.
• The nest egg should be no more than 10% of total income. It can only be spent in an emergency. If you take money from this envelope, you must return it to it, and write the return date on the envelope.
• The amount of money set aside for the purchase of things depends entirely on the family income. Purchases should be made thoughtfully, and try not to buy anything unnecessary.

This system is simple, but it gives very good results.

Three systems for proper budget planning

These three simple techniques for proper budget planning were developed by leading managers and analysts from Europe, knowledgeable in this matter. All three systems are based on one principle. It consists in the fact that 20% of the monthly income should be put into savings.

Initially, this principle often seems unreal, but it is not. The main goal here should be to improve the quality and standard of living. And cutting your expenses by 20% will become habitual and will not affect your standard of living.

So, systems for proper budget planning:

Andrew Tobias theory

This theory has three main principles:

• throw away all credit cards and pay off debts;
• be sure to save 20% monthly;
• 80% live.

Its essence is that you first need to save 20% of your income, and then spend the remaining 80% on food, paying for services, purchasing clothes, shoes and other goods. If you don’t save money first, it will quickly be spent and there will be nothing left to save. It is also believed that if initially saving 20% ​​is unbearable, then you can start with 10% or at least 5%; it is important that the family has at least some savings.

• We spend 50% on purchasing food and various things;
• We spend 30% on utility bills, mobile communications, purchasing books, hobbies, and entertainment;
• Set aside 20% for savings.

Richard Jackkins system

The basic principle of this system is the 60% rule. So the monthly income is distributed into five unequal parts:

• 60% of income is spent on current necessary expenses;
• 10% - entertainment and hobbies;
• 10% - future acquisitions;
• 10% - costs that arise periodically;
• 10% - savings.

For some families, it is more convenient to plan expenses based on a pre-compiled table. It can be compiled by hand on a regular sheet of paper, or you can use Excel or some Internet program. Such a table will provide significant assistance in budget formation.

Budget planning is quite complicated. Therefore, I would like to draw your attention to several rules that you need to focus on when planning budgets:

• clearly set a goal for what you are planning your budget for;
• When planning, be realistic about your capabilities;
• be sure to use the deposit, it will multiply your funds;
• upon reaching positive result at the end of a certain period, for example six months or a year, stimulate yourself.

Have you thought about planning your family budget? Write your thoughts and personal experience in the comments.

Other materials on the topic

A financial plan will help you not to be left without money at the most crucial moment.

The main task when drawing up a personal budget is not just to balance debits with credits, but to correctly distribute expenses so that last week I didn’t have to borrow or live from hand to mouth before my salary.

You can plan your budget in special or any tables - the principle is the same.

As a rule, the main part of the salary is paid not on the first day of the month, but on the 5th, 10th or 15th. Therefore, it will be more convenient to plan a budget not for calendar month, and for the period from paycheck to paycheck, for example from March 10 to April 9.

Income

First, you need to record all financial receipts in order to understand how much you have. All sources of income should be taken into account: salary, bonus, part-time work, money from renting out an apartment, and so on. If your income is unstable, it makes sense to form a budget when you know exactly how much you have, for example, on the day the money arrives on your card.

Expenses

Expense items that cannot be avoided should be entered first. This list will look something like this:

1. Groceries (including lunches at work if you eat in the canteen).
2. Communal payments.
3. Directions
4. Mobile connection.
5. Internet.
6. Household chemicals.

Naturally, the list of mandatory payments will be different for each person and each family. Tolls may be replaced by gasoline costs. People with chronic diseases expenses on medicines will be taken into account. The same list will include loan payments, payment for kindergarten and so on. At the same time, the traditional trip to the cinema on Saturdays and similar expense items are not mandatory.

Make it a rule to put money into a “stabilization fund” every month. This can be a fixed amount or a percentage of income.

The amount remaining after deducting mandatory expenses can be dealt with in two ways:

1. You allocate money for entertainment, clothing and various amenities.
2. You divide the remaining amount by the number of days in the month.

With the first method, everything is clear: you determine that you will spend 3,000 rubles on cinema, the same amount on clothes, and so on. The second method is worth considering in more detail.

Let's say you have 15,500 rubles left, and there are 31 days in the month. This means that you can spend 500 rubles daily. At the same time, mandatory expenses are already taken into account in the budget, so this money is intended only for pleasant expenses or force majeure circumstances. Accordingly, if you spend more than this amount per day, then you will go into the red, and at the end of the month you will have to tighten your belt. If you don’t spend anything, then within two weeks you’ll save up 7,000 rubles, which you can spend on something big.

The money remaining at the end of the financial period can be spent or put aside. The first way is pleasant, the second is rational.

How to plan a budget for the year

The annual financial plan will need regular adjustments both in terms of expenses and income, so all columns in it need to be created in duplicate: a forecast and an actual indicator.

Income

If you have a regular income

At fixed size earnings, you simply enter salary and other income into the income section stable income. The only thing that will interrupt the usual course of things is vacation pay. Usually, before a vacation, they give you money for the days during which you will rest, but then you will miss a certain amount in your salary. But in general, at the forecasting stage, especially if you are drawing up a budget for the first time, it will be enough to use only the salary amount for all months.

If you have inconsistent income

If income is irregular, there are three ways to forecast income:

1. You are sure that you will receive a monthly amount sufficient to live on, although you do not know its exact amount.

Calculate your average income and use it for calculations. If you earn more than the predicted amount in any month, move the excess to the piggy bank. You will get into it if you earn less than average.

2. You don’t have a regular income and you’re not sure what you will have.

It is better to take the minimum income as a basis for calculations. In this case, budget planning will become a task with an asterisk, but there will be no financial surprises.

3. Some of your income is stable, but Exact size earnings are difficult to predict.

For example, you receive a fixed salary, and the availability of a bonus depends on many factors. Then it’s worth planning your budget so that a stable income covers all your primary needs, and you’ll spend on the rest depending on the situation.

Don't forget to take into account the income that you receive irregularly: a quarterly bonus (once every three months), a tax deduction return (once a year), and so on.

For example, let's take a situation where the majority of income is stable - this is salary. The minimum premium is 3,000 rubles, and we will use this figure in the forecast. We also note that for the anniversary in August they should give at least 20,000 rubles: parents promised 15,000, friends will probably give at least 5,000.

Expenses

When planning expenses, write down mandatory expenses in the month columns: food, utilities, travel, mobile communications, household chemicals and so on. Please note that in winter utility bills are higher due to heating, and for mobile communications, for example, in May you will spend more because you are going on vacation. These changes must be included in the budget.

So, in the example you can see that the heating season ended in March, so the last increased payment for housing and communal services is scheduled for April. Vacation in May is also reflected. A budget maker is planning to go to visit her grandmother for three weeks. The tickets have already been purchased, so there is no point in taking this expense into account. Housing and communal services are considered according to standards and will not change.

At the same time, our hero will not spend money on travel for three weeks. And he cut his food costs in half: for a week he will eat at home, and will also take on part of the food costs from his grandmother.

The next step is to record obligatory but irregular expenses. Let's say in May you need to pay taxes for your apartment and car, in May you have a vacation, in August you have an anniversary, and in December your gym membership ends. Separately, consider the need to buy gifts for the holidays.

Large expenses can be planned in two ways:

1. Find the entire amount from your monthly budget.
2. Divide it over several months.

The hero of the example used the first method to plan expenses for the anniversary and the second - for compulsory motor liability insurance.

All that remains is to take into account the savings in the budget and calculate the balance. In the example for entertainment, according to the forecast, 8,020 rubles remain (258.7 rubles per day).

Budget adjustment

Every month, after receiving income from all sources, the budget will have to be adjusted to determine the amount that is actually on hand. As information becomes available, it is also worth considering changes in costs.

The person in the example received more than he expected.

He also spent a little less on food and mobile communications, and a little more on utilities. As a result, after all the mandatory deductions, he is left with 12,535 rubles (404.3 rubles per day), which is almost twice as much as the previous result.

It is worth remembering that even if you have been extremely disciplined in adhering to a financial plan, drawn up taking into account all the details, circumstances can seriously adjust the budget. Losing a job, getting promoted, and having a child will all require major changes to your financial strategy. But even a poorly drawn up budget is better than no budget at all.

How to plan a family budget correctly? Where to start planning a family budget? There are many questions regarding family budget planning. This is not a complicated science; it can and should be learned.

Let's look at simple example, we need to build an enterprise: What kind of enterprise? Of what? Where to build? How? With what funds? How many employees should be hired for construction? This is a small fraction of the questions you can imagine how difficult it is to plan the construction of a huge enterprise or plant.

A family is a small enterprise; in order to properly plan a family budget, you need to correctly approach each figure of income and expenses.

How to plan a family budget

Remember the expenses of the previous two or three months and, analyzing them, plan your family budget.

Remember and plan expenses for birthdays in the family, birthdays of relatives, do not forget about the main holidays: “ New Year", "Twenty-third of February", "Eighth of March".

During the summer months, prices for utilities and gasoline begin to rise.

In order not to forget all this, you can draw a small sign for yourself from January to December and indicate the main events and dates there.

When will you plan your budget for new month look at this plate and make changes.

Components of the family budget

There are six components of happiness; if one component stops working, happiness in the family disappears.

What is included in these six components: income, expenses (which does not exceed income), own housing, savings or reserves, deposits, joint values ​​of husband and wife.

How to manage a family budget

The family budget consists of income and expenses. Income includes: cash income, natural income and benefits.

Income table

Example of income for a family of four

Income table

This family consists of four family members: father, mother and two children. The family's income is the father's salary of 35,000 rubles and the mother's salary of 15,000 rubles, one child goes to kindergarten, the second child goes to school. The total family income is 50,000 rubles. Additional sources This family has no income.

Income is spent on necessary goods and services for the whole family. After receiving money, income turns into expenses.

Expenses include all expenses spent on a family over a certain period of time, for example, a month.

How to distribute the family budget

It is very important to distribute the family budget for the month so that it is enough for all expenses and so that it does not exceed income.

There are two types of expenses: mandatory and discretionary.

Cost table

Consider the expenses of a family of four

Cost table

This family consists of four family members: father, mother and two children. Family expenses are included in the table.

Put your income and expenses on the scale

Example one:

Income 50,000 rubles Expenses 50,000 rubles

Your family's budget, your balanced income is equal to your expenses.

Example two:

Income 50,000 rubles Expenses 60,000 rubles

You have a budget deficit in your family, you don’t have enough money, you need to reconsider the expenses of the family budget.

Example three:

Income 50,000 rubles Expenses 40,000 rubles

Your income exceeds your expenses, resulting in excess cash or savings for future expenses.

The main point of drawing up a family budget is to learn how to balance between incoming income and outgoing expenses. We must learn to draw up a family budget so that expenses are always less than income.

Family budget for the month

Example of a budget for an average family with two children

Let's analyze the family budget table for average family consisting of four people, two of them are children, we see that the family income is 50,000 rubles. The family has no additional sources of income.

The amount of expenses corresponds to the amount of income and is equal to 50,000 rubles. The costs include all necessary cost items:

public utilities;

fare;

• payment for kindergarten;

  clothes, shoes;

  child's education;

  medicines;

Pay attention to the most important article, it is called cumulative.

In every family, when planning a family budget, first of all, it is necessary to take into account that expenses are less than income, and include an item in expenses and plan money there; this item is called a savings item.

This expense item should be 20% as a percentage of your salary; if you can’t save 20% the first time, start with 10% and reconsider your expenses.

It’s very good if you put more than 20% into a savings account; it could be 30%, 40% or even 50%.

The savings portion can be accumulated and spent on vacations, large household appliances, winter and autumn clothes and so on.

Other expenses may vary in amount; some item or expense item may be more than presented in the table, some may be less.

Savings from maintaining a family budget

Considering the presented family budget for the month, for a family of four we received an income of 50,000 rubles and an expense of 40,000 rubles, from which we get a saving of 10,000 rubles monthly. You can spend this savings on the purchase of large household appliances, winter clothes and shoes, and on a vacation with the whole family.

Courses for the development of intelligence

In addition to games, we have interesting courses that will perfectly pump up your brain and improve your intelligence, memory, thinking, and concentration:

Money and the Millionaire Mindset

Why are there problems with money? In this course we will answer this question in detail, look deep into the problem, consider our relationship with money from psychological, economic and emotional points vision. From the course you will learn what you need to do to solve all your financial problems, start saving money and invest it in the future.

Speed ​​reading in 30 days

Would you like to quickly read books, articles, newsletters, etc. that interest you? If your answer is “yes,” then our course will help you develop speed reading and synchronize both hemispheres of the brain.

With synchronized, joint work of both hemispheres, the brain begins to work many times faster, which opens up much more possibilities. Attention, concentration, speed of perception intensifies many times over! Using the speed reading techniques from our course, you can kill two birds with one stone:

1. Learn to read very quickly
2. Improve attention and concentration, as when fast reading they are extremely important
3. Read a book a day and finish your work faster

We speed up mental arithmetic, NOT mental arithmetic

Secret and popular techniques and life hacks, suitable even for a child. From the course you will not only learn dozens of techniques for simplified and quick multiplication, addition, multiplication, division, and calculating percentages, but you will also practice them in special tasks and educational games! Mental arithmetic also requires a lot of attention and concentration, which are actively trained when solving interesting tasks.

Development of memory and attention in a child 5-10 years old

The course includes 30 lessons with useful tips and exercises for children's development. In every lesson helpful advice, several interesting exercises, an assignment for the lesson and an additional bonus at the end: an educational mini-game from our partner. Course duration: 30 days. The course is useful not only for children, but also for their parents.

Secrets of brain fitness, training memory, attention, thinking, counting

If you want to speed up your brain, improve its functioning, boost your memory, attention, concentration, develop more creativity, perform exciting exercises, train in game form and solve interesting problems, then sign up! 30 days of powerful brain fitness are guaranteed to you:)

Super memory in 30 days

As soon as you sign up for this course, you will begin a powerful 30-day training in the development of super-memory and brain pumping.

Within 30 days after subscribing you will receive interesting exercises and educational games to your email, which you can use in your life.

We will learn to remember everything that may be needed in work or personal life: learn to remember texts, sequences of words, numbers, images, events that happened during the day, week, month, and even road maps.

Conclusion

It is very important that the family income is always greater than expenses, learn to plan correctly, review the family budget, do not waste money, because it is simply there, create monthly accumulative part, and you will never need money. We wish you good luck.

Without planning, everything happens spontaneously with money, but you can learn to manage this element.

We are still somehow getting used to regular expenses - they are in the budget for approximately the same amount every month. We know that this money needs to be allocated, period (mortgage, groceries, travel, communications, etc.).

With irregular expenses that do not happen every month, things are usually more dramatic. Each time purchase New Year's gifts, updating your wardrobe or tires on your car - this is the question “Where to find the funds”?

The saddest thing is that while we are looking for money for one thing or another, big and cherished dreams remain dreams. Consequently, with global and important goals - a complete fiasco.

Something needs to be done about this. Simply “earning more” does not solve the problem - I have seen this from the experience of thousands of my clients. Only one thing can help here - learn how to manage money.

Namely:

1. Plan your finances.
2. Follow plans.

This is the only way to direct money to what is really important, without allowing it to flow into nonsense, into perishable things.

What can be done to change the situation right now?

I often hear from people that learning to plan money and follow plans is their cherished dream :) And real problem how to make this dream come true. Attempts are in vain...

The magic of money management is that big results come from small daily actions, that is, from lifestyle, from habits.

Habits are a mirror in which you can see the future. Right here and now you can change your habits, and therefore change your future.

Three simple habits will help you integrate money management into your daily process:

1. Plan your budget for a month in advance.

2. Set aside money regularly.

3. Keep records of expenses.

Start slowly, small. The main thing is regularity.

Quote on Twitter

Monthly budget planning technology

First you need to create an average budget.

This is a budget in which all items are averaged over the year. Use Excel. The first necessary tab is “Budget Planning”.

Budget planning is, in fact, very simple thing. List your income in one table and expenses in another. Below you see the result - the difference between income and expenses = investment potential = your profit or loss.

Start by filling out your income table. Write down the names of all monthly incomes on the lines and put the amount per month for each. Below, write down irregular income (try not to forget anything) - bonuses, tax refunds, dividends, interest on deposits.

Income can only be classified as money that you can actually spend immediately. If your pension capital has increased, this does not need to be recorded as income when planning your budget. Only the money that is available for use.

Record the regular income that you receive every month in the amount of MONTHLY income (in the “amount per month” column). If you have an unstable income, and there is a radical difference from month to month, you can plan too, moreover, you need planning more than anyone else. Estimate how much you earn on average per year. Accounting accuracy is not needed here; here you need to find guidelines, and for this it is enough to determine the expected income as close as possible to reality.

Irregular income must be recorded in the amount of ANNUAL income (of course, in the “amount per year” column).

By filling out this part of the table, you will see how much you earn on average per month and per year. Perhaps this will make you think seriously :)
The “Expenses” part of the table is filled in automatically when you work with the sections of the adjacent “Expenses Planning” tab. Go to it and fill out everything in order. Record all expenses AS AN AVERAGE FOR THE YEAR.

In monthly entries, write down only those items on which you spend each month plus/minus the same amount - utilities, food, cafes, transport, mortgage. Enter the monthly expense amount in the appropriate column.

And you can write down all irregular items in the annual expenses block. You need to write them down in total (how much you spend per year) in the third and last. column.

The division into “monthly” (regular) and “annual” (irregular) can be done at your discretion, as it is more convenient for you to perceive them.

For example, you usually buy some clothes every month and it’s easier for you to think of it as a regular expense - so write it down as a monthly expense. If you update your wardrobe once or twice a year, it will be more convenient for you to record them as annual ones. This breakdown will not affect the essence of the matter, so don’t worry too much.

When you fill out your expenses, you can look at the next tab, where your budget is formed, and evaluate how much income is left there?

When you complete ALL, look at the consolidated budget - what conclusions can be drawn?

Ideally, if at least 20% of your income remains unspent, it is these funds that you can save for future goals. If you manage to cover your budget with such a profit, you are confident that in the future you will be very rich, all material goals will be achieved, and you will be a completely independent person with unbreakable financial stability.

Based on this “average” budget, you will be able to do two important things: financial prosperity things: make a personal financial plan and plan a monthly budget.

Personal financial plan

A personal financial plan is long-term planning that will show exactly how you can achieve your global goals.

Many people say that such a plan is “forks in the water.” Certainly!

A plan is not a rigid concept that is 100% obligatory. It is a landmark that shows where you are and what the outlook is. You have the power to change current conditions, and by looking at the plan you will see how this affects the future. And seeing the future is a gigantic advantage.

You can draw up such a plan with a specialist. Although these calculations are not anything complicated, it is difficult for beginners to do it without practice and skills.

I wish that financial planning was taught in school. Then in our country the majority of people would be wealthy and independent!

The second thing you can do with a medium budget is plan budget for the next month.

You can do this in the “current accounting” tab in the green line at the bottom of the table.

When you have an “average” budget for the year, planning your monthly budget will take a maximum of half an hour once a month! Such a small effort can decisively change a person’s entire life.

It’s better to plan your monthly expenses this way: first, you look at the “average” budget, which reflects all the major goals - a vacation, a car, buying a computer or a training course. You plan how much money (or what percentage of income) you will send there.

You write down these amounts as expenses - in the green line in the columns that you will call these goals.

Then, when all your cherished dreams are planned, put in the budget mandatory expenses and payments - food, transport, utilities.

And thirdly, you decide how much money to spend on entertainment and other expenses.

Such monthly work is VERY sobering; each amount of money begins to be perceived so adequately that mistakes and unnecessary expenses evaporate on their own.

Having made a plan for the month, you now know exactly where and how much money can be spent, and how much can be set aside for goals.

However, the habit of planning will not work on its own. You definitely need to add the habit of saving money.

To acquire such a skill at all, you need to set up a system - HOW and WHERE will you make your regular deductions? Need to decide what to do on a daily basis with the money you need for annual and long-term goals?

Quote on Twitter

Lay - often associated with eggs :) But the real meaning of this word in this case is literally “to put aside in another place.” If you think that you have had a balance of about 100 thousand rubles on your card for several months. - this is savings, then it is not so.

Such balances on the card are easily spent, most often unnoticed by the owner.

To set aside means to physically separate from total mass money. Once you start using this trick, you will suddenly feel more wealthy man, because you will have stocks and reserves for all purposes, you will always have money for everything. You won't waste it accidentally.

How to do it? You can do it in different ways, depending on the scale of the goal.

1. Small and “current” expenses

These are small goals and do not have an exact date of purchase, occurring from time to time throughout the year: gifts, clothing, charity, cosmetics, and the like.

They do not require bank deposits or the creation of a multi-currency basket. An envelope in your nightstand will do just fine.

For each goal that you want to highlight from your overall spending, keep an envelope or box. It's better if you decorate it beautifully. The envelope or box must be of very high quality, solid (to last) and beautiful. It is better to put an inscription and pictures on them that reflect the essence of this stash.

Thus, every time you receive income, it is better to immediately put the planned amount into such an envelope.

For example, in a year you spend 30,000 rubles on gifts, that is, on average, 2,500 rubles. per month.

Therefore, you plan 2,500 rubles monthly, even if you don’t need to buy gifts this month. 2,500 rub. you put it in a special envelope (or piggy bank). Then, when you need to buy gifts, you take that stash and spend from it the required amount. Very comfortably.

It is very convenient to create an envelope “To People”. This will be your gift to the world - gifts, charity, helping others...

2. Average goals with a specific date

These are your specific goals for the year - traveling, buying a new computer, furniture.

For such purposes, it is better to open a deposit in the same bank where you have your bank card. I hope your bank card was issued by a reliable bank?

For a bank card that you use regularly, it is better to use cards from reliable banks. If your bank goes bankrupt, you, of course, will not lose your funds, since they are insured by the state up to the amount of 1.4 million rubles. If bankruptcy does occur, your money will not be available to you for some time. Why complicate your life?

Today, almost all banks offer their clients such super-convenient functions as “piggy bank”, “save for a goal”, etc. The bottom line is that you can open a bank deposit directly in personal account on the site, remotely. You don’t need to go to the bank, look for a specialist, stand in line at the cash desk, etc.

You can choose the deposit that suits you via the Internet. Complete it exactly by the goal implementation date. Usually the offers in this system are not the most profitable, but if you are planning a small goal for the next few months, this does not matter.

So, you open a deposit, as soon as you receive income, transfer a pre-planned amount there. Elementary.

By the way, you can also give these contributions your own names: for example, “In Tenerife”, or “For a new computer”, “For a training course”. Each time you replenish such a deposit, you will great pleasure watching the amount increase, you will directly physically feel how the goal is getting closer.

By the way, it has been noticed: when you take such specific steps towards your dreams, they begin to come to life and quickly come true. After all, you have already created an account with the name of your dream, and there are already some funds on it. And money, as you know, is attracted to money.

The picture shows an example of deposits opened remotely and replenished from a Sberbank card.

The “piggy bank” in this one is a function that you can set up and replenish deposits automatically. It is possible to top up by a certain amount per month, a percentage of each income or expense (except for transfers), etc.

If you set this up, everything happens automatically, of course.

Don’t forget to make such savings accounts as “taxes”, “tires, maintenance, compulsory motor insurance”, “VHI and NSZH” (this is health and life insurance, it is better to have such expenses in your budget).

3. Big goals

Here we have goals with a deadline for implementation in several years. This could be: a new car, an apartment, a house, new business, future investments.

Future investments are your first step towards long-term goals such as children's education, personal retirement capital, a vacation home, and the like.

To successfully achieve these goals, over time you will need to learn how to invest your savings in profitable instruments - real estate, the stock market, precious metals and business. Keyword Here - WITH TIME.

Before you start investing, you need to have at least some capital. For this capital to appear, it is enough to create conditions so that you can easily accumulate it.