Family budget: plan, recommendations, tips

Sooner or later a young family faces financial problems. For the most part, they arise in the event that the family budget is not agreed upon , the plan of which should be drawn up every year. About how you plan to spend money, it is better to agree before the wedding. This will save you from many quarrels and misunderstandings. However, in any case, it is never too late to return to this issue. Today we will draw up a plan for the family budget.

Basics of the basics

It is better to calculate the family budget in the table. First, write down the standard payments for each month. It can be mortgage, loan, utility, home phone payment, Internet and television services. This includes other fixed costs, for example, mugs and daughters, the sports section of his son. After that, add to the table the individual payments that happen to you once a year. It must be done so that they do not become unexpected for you and do not spoil the entire family budget. Such expenses usually include: payment of taxes for an apartment and real estate, various insurance services and so on. If you undergo preventive treatment once a year, for example, strengthen immunity in the spring, then also fix the amounts allocated for this.

Let's move on to the details

Now, after calculating your total income, subtract from it the costs of each month and fix this difference next to the name of the month. With this money you will live. Further, our family budget, the plan of which we compose, should be broken down into different categories: the amount for food, household expenses, car maintenance, entertainment and so on. These categories in each family can be their own. Identify together the funds that you can spend on a particular direction. Do not forget to leave the amount for personal use to each member of the family. We can say that the family budget is ready , the plan is written down. However, you can still have difficulties. This is due to unforeseen expenses. For them you should have the item: "Reserve". This will help you in the first time to work out the right amount of money costs for certain categories and not get you off the right track if you suddenly fall ill or do not get the expected premium.

Separate budget

It is not necessary to compile a general family budget, the plan of which is described above. Many spouses do not put everything in one group, but prefer to maintain a separate scheme of expenses and incomes. There may be even more disputes and misunderstandings. Therefore, it is better if you, as well as it was described, calculate the monthly and annual expenses and in advance equally divide them among themselves. Similarly, it is necessary to divide expenses for food, the maintenance of the child, household needs. In the end, each of you should remain satisfied with the proposed scheme. Consider the option of an unequal sharing of monetary obligations, if one of you receives a lower salary.

Unforeseen income

This is a special part of the family budget, which is difficult to foresee. In this case, in order not to drain all the money for restaurants and cafes, get a general list of financial goals. They should also suit you both. When there are extra money, just select something from this list, and there will be no problems.