One of the components of family well-being of manyconsidered material prosperity. It would seem. The more income, the more variety of »pleasure» can currently afford. But it is not always the case. Very often there is a lack of money in families with higher incomes.

Compliance with the basic rules of saving the family budget allows you to achieve high financial well-being and families with low financial income.

How to save money on the household and become a real family, »Minister of Economy»?

Make your expenses commensurate with income

Someone keeps a record of your income and expenses,someone who lives spontaneously. However, financial stability is necessary for all. Therefore, the family budget is necessary to count. This is to avoid unwarranted expenditure, improve the material well-being, maintaining a healthy psychological atmosphere in the family.

To calculate your family budget in the firstall we need to write, analyze, and commensurate with the income produced by all the monthly costs: mandatory, optional and unplanned. How to do it?

To begin properly distribute the income of the family

All total monthly income earned by the sum of the husband and wife, money, cash gifts, bonuses, interest from deposits and other sources.

The bulk of the revenue is allocated to mandatorypayments. It - utilities, payment of study, sports clubs, music schools, a kindergarten, the Internet and mobile phones, the fee for the cottage or garage, loan payments.

All that is needed to plan properly for the following articles:
• Necessary but fixed expenses on productsFood and clothing costs, small and large appliances, medicines, hair salon, travel expenses for transport, household items and other household purchases.
• NZ - a fixed amount set aside for unforeseen expenses »for a rainy day.»

If you want to spend this kind of stock, but subsequently replenished.

• The accumulated funds: part-time, bonuses, money saved.

Planned to hold celebrations, holidays, purchase of expensive purchases.

• Spend time on yourself. ? Ascending, which make our life pleasant and interesting.

If all this is to summarize, you get something like this:
50% - required mandatory costs;
30% - necessary, but desirable;
20% - the accumulation of funds, and NC (neprikosnovennyyzapas).

In the case where the necessary expenses upmore than half of the monthly gross income, is thoughtful. Maybe. You should find a part time or some other source of additional income. Otherwise it is necessary to include saving mode.

Augment the family budget, without leaving home

Today, even a housewife can make the feasible tape in maintaining the family budget afloat. And this does not even need to leave the house.

• Freelance. You know how to write literate lyrics, beautiful paint or have the announcer's voice? Then you straight road in freelancers. Here, at the appropriate quality, you can earn good money ... well, it will be time to leave is not enough.

• Gambling. This is probably the easiest way to earn money ... unless, of course, you are a lucky man. Just a few minutes you will be able to earn a large sum indecent ... or lose. However, the second scenario can be minimized, if you play on slots, in which the minimum rates are very low, and the jackpots are still huge. Try your luck you will allow, for example, casino online casino Volcano.

• Currency Exchange. This area is widely in demand today, but without the proper skills and knowledge have nothing to do here. Therefore, if you decide to trade in the currency markets, doskanalno read all related information - for example, on the discussion forums.

• Home kindergarten. If you educate your child, it can be nice to save and even earn, taking care of several children. It should be immediately noted that this work will take up all your free time, so the works on the farm can forget.

So where can you save?

Let's start with the biggest expenses. It charges for heating, electricity, gas. water (hot, cold, and their removal). If you depart from the payment of the existing standards, set the counters and will be charged according to actual consumption, then very soon you will feel the savings. Of course. if you participate in will save the whole family.
• Absolutely nowhere at the same time keep all the included in the home appliances and lighting. He borrowed - just turn off, do not wrap the kilowatts.
• Water, too, sometimes pouring uselessly constantly (if you wash dishes, brush your teeth, or a broken cistern in a toilet). Saving water and using preferred soul than baths.
• If possible, setindividual heating. Especially good save gas (and it is we still felt expensive) in private homes by installing modern heating appliances with automatic control.

Great food too elementary costs can be reduced. Discard the semis and snacks at the café. Natural products.

week purchased in the required amount in the market or in major supermarkets will cost you much cheaper than store bought next to the house.

I'm surprised my friends, supporters of a healthy diet. Decoction once a nice piece of fresh meat, they provide themselves with a healthy diet for the whole week:
1) broth soup cook. soup. make potato sauce; 2) eat boiled meat with a variety of side dishes - vegetables, buckwheat, rice, pasta; 3) make delicious empanadas; 4) otarnoe slightly stewed meat with vegetables and get a great stew.

For cooking side dishes, or do not need much time stewing vegetables.

Save money and time with health benefits!
• Refrain from buying unnecessary things, cheap clothes and shoes. It is better to buy the item at a discount to the company store. Most often it is better and more durable.
Get more attention to your familybudget, learn how to save money on the household. Each family can be their saving options. Already in a short time you will have the prospect of a more thoughtful and more interesting use of your income. Be a real family, »Minister of the Economy»!