How to conduct a family budget: 8 main rules and 10 tips per day

The main rules of the budget

1. Assign a major for the money

You can lead a joint budget can - separate when each manage their finances on their own, giving some of the money on the overall cost. In any case, these common money should someone manage. The task of this man - see to it that all bills are paid on time, and money set aside in reserve, they do not go on all the small stuff. Leave it to a disciplined and responsible family members.

2. Set aside at least 10% of each paycheck

Open a saving account and translate to money immediately after got paid. So you save yourself from the temptation to spend the money for other purposes.

For example, you get 30 000 rubles, and your partner - 40 000. Postponing for 10% of the salary for the year you are together accumulate 84 000 rubles - that's not counting interest from the bank. Suddenly received the award - fully submit it to the savings account.

3. Set goals

Save up for a reason - bad idea. When you do not understand, why to save money, then you do that for sure will not.

First you need to create a financial safety cushion - an amount equal to at least three of your salary. It is useful if all of a sudden have difficulties with work or someone in your family suddenly falls ill. When the air bag is ready, you can begin to save for a vacation, a car or a down payment on the mortgage.

4. Get a joint account

He needs to collect money there to pay for utilities, food, or large purchases. This approach is easy to use and to control costs and to pay its bills. If there is one account from which to pay, will not have a situation where all the family members thought that the rent already paid some of them, but in fact this has not been done at all. In addition, it frees you from an interconnect: got paid, chipped in a common pot, transferred 10% at the expense of the treasury, and what is left - only yours.

5. Learn where your money is funneling

Get into the habit to monitor how much money you spend. You can do this in the mobile bank application, if you are more likely to pay off the card, or select one of the services for finance planning. So you define the main items of expenditure and will be able to understand what it would be necessary to spend less.

Watch for small spending - with which accumulates a large amount. Imagine you went to work in a taxi for 300 rubles, because I do not want to wait a minibus in the rain. The same amount had lunch in the cafe, because there was no time to prepare something at home. And at the weekend the whole family ordered two large pizzas and a half thousand rubles, because laziness. Just a week left unclear where more than two thousand. Without these expenses, you could easily do without.

Responsible attitude to money - a skill that can be learned at any age. October 17 come to free lecture "The Secret Life of the family budget: planning and optimization." Advisor to the Head of the Service for the Protection of consumer rights and ensure the availability of financial services to the Bank of Russia Alexander Kolankov and journalist Ksenia Paderin tell how correctly to conduct the family budget and savings through planning expenses.

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6. Make a financial plan

You probably already have a sample list in the near future expenses. For example, the New Year would be nice to save up to 10 000 rubles for gifts. You have three months to come, so that in October, November and December, you need to set aside about 3 300 rubles. Do not count on that money somehow find themselves. And if in the end, the chief of fit of generosity for the prize, you can send it in a piggy bank with a clear conscience, because the gifts of money you already have.

7. Time to pay the bills

Sounds boring, but responsible adults in the world so it is accepted. You forget to pay utility bills this month - the next will have to pay more. Miss a payment on the loan - the bank punched fine. All this means that your family will be less money for current expenses.

8. Calculate your budget for the day

Subtract from the total income of families mandatory payments, expenses on food (you do keep records of expenditure?) And transportation. The remaining money to divide by the number of days per month. Get the amount you can spend each day. If you do not resist and today lowered more than planned, we will have tomorrow uzhatsya in expenses.

How to save every day

1. pay cards

If you have a card with keshbekom in rubles, paying it, you can in a few months to recapture the cost of annual maintenance. In addition, many banks offer additional discounts or bonuses when you buy something from a store partners.

2. cook at home

It is cheaper than a day to go for a business lunch with food of questionable freshness. Take stock of semi-finished products: cut beef on ragout, grate carrots for zazharki in the soup, boil a pot of broth and pour it into containers. Everything is perfectly stored in the freezer, and at the right time you just have to get it, thawed and used for its intended purpose.

3. Do not buy plastic bags

Get a special bag for shopping or disassemble the last package with packages (we know you have one) and use them.

4. Plan your shopping and trips in advance

Going on vacation in April - keep an eye lucrative offers airlines now. Seasonal clothes buy on sales, not to overpay, when it's cold, and you will not suddenly warm jacket.

5. Sell ​​unnecessary things

Guitar, which you never learned to play, stepper, that three years gathering dust in the corner, juicer, which you have used a couple of times by force - now it's junk, but it can turn into a real money.

6. Look for items in stores own brands

Frozen dough, tomato paste, liquid soap and a sponge for washing dishes, issued under the store brand, is no different from the others. Only nicer price.

7. Use shopping lists

Create a special list of Google Keep, which will point out that you need to buy in the near future, and rassharte it to family members. Before going to the store, check domestic supplies and to make a list of everything that was over or almost over, so do not accidentally buy unnecessary.

8. Watch out for health

Had the seal - go to the dentist, without waiting for the tooth to fall apart completely. Yes, it is terrible, but if you run it from the final bill will be even worse. Stop smoking and reduce alcohol consumption - and save on cigarettes and on trips to bars, and on the treatment of the effects of a cheerful lifestyle.

9. Do not buy expensive things at once

Give yourself to think at least a few days. If you still want to, count the number of daily budgets will be spent on the purchase of this thing. Ready for some time to give up free money? Next, buy. And no, you can not gut the pillow of financial security.

10. Watch for discounts

Get a separate email address and subscribe to his mailing list of major online stores. Often, they give it for a discount or free shipping next order, and you will always be aware of current shares.

Want to learn more about how to manage the money in the family - come 17 October a free lecture on "The Secret Life of the family budget: planning and optimization." To help you accurately enough space register in advance.

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