"Paycheck to paycheck": record expenses and revenues for the month. That's what happened

Get Rich / by admin / December 20, 2019

Sasha

INynuzhden take leftists to support a family and pay for loans

I'm Sasha, is married and has a child. SMM-manager working in the agency received 50 000 rubles. Sometimes I take orders from the familiar tune and advertising in social networks. Dad taught not to be afraid of any work, so I can pokleit wallpaper or a parcel to deliver. Orders for non-recurring undermining grab on popular service. Sometimes, I write articles for Layfhakera.

My wife has a small income - it is the photographer. Who sits with the child, so I manage to spend one or two photo sessions per month. Overall budget. All put in a one pot and then discuss where to spend it. We live modestly, only a couple of credits to extinguish the mortgage is not necessary, but the money is still often lacking. No savings at all, except for the 10,000 to elektrosamokat. Where funneling money, I do not quite understand. There is a feeling that the finances we have total chaos.

I installed Money Pro app to take an honest look at the family budget and to draw conclusions.

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Money Pro - Cost accounting, financial accounting, budget

Developer: iBear LLC

Price: Free

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Money Pro - Finance and Budget

Developer: iBear LLC

Price: 379 rubles

Shared money and made an asset

To begin to understand what resources are available where I did in Money Pro different wallets. In one prescribed salary information, in another wife he has a bank card, add a credit card, cash and account PayPal. For each type of income and expenses in Money Pro can provide for your wallet: the products to pay salary card, for travel on the shuttle bus - from cash and foreign income from freelancing to make a currency purse. In the reports the amount will be shown in rubles - the program counted on the current exchange rate. In the section "Assets" has entered our apartment and dacha wife of the cadastral value.

And in the section "Commitments" - the remains of two of our loans. Financial literacy is increased, and with it the self-esteem. A year ago, we updated the bathroom and toilet. They took 200 thousand rubles for 2 years at 9.99% per annum. And yet buying a dishwasher.

Realized that we actually millionaires, though with modest incomes.

He recorded the first waste

I went to the supermarket for diapers and food. Money Pro allows you to record spending in certain categories. If one is missing, it can be added. I made the category "For a child," and added products in "food", is saved in a photo of the check. The next time you look at what price to take the butter and milk in another store. On the way, I grabbed the pizza with pineapple - has entered into a new category of "Cafes and restaurants."

Wife later came with a photo shoot in the country, took a taxi. It was necessary to create another application in a new category - "Taxi and Transportation" - and to waste. But the spouse has received payment for the work, and then an advance payment for the next photo shoot. This amount is also introduced into the application, creating a subcategory of "photos" in the section "Business Receipts."

At work, I have dinner in the dining room, so I bring spending in the subcategory "canteen" in the category of "lunch". I've got a good relationship and calculation of times a week, so I bring every day, but when I pay the favor. More take in coffee machine. I had never thought all these 70-100 rubles. Now with a scratch, but write. I bring coffee in the subcategory "Cafes and restaurants."

On the birthday of his wife ordered a parcel from an online supermarket. I took action camera plus some of the food and children's products. Usually, all the cost of the day prescribed by separate checks, but then decided to make a split-transaction - all the costs specified in one check, including shipping, but spread into different categories. By the way, for an action-camera keshbek I received 471 rubles, too, has been submitted to revenues.

Family budget: keshbek from online store

I begin to see, what to spend money.

Prescribed projected revenues

During the week, it became clear that in financial terms, my life is quite a "Groundhog Day." Basic income and expenses are the same. I received a salary - bought food, paid for communal. Pleasant diversity makes income from freelancing, providing fine service and earnings of his wife. For example, an order to catch a sticker wallpaper in the nursery. I recorded a payment at the end of the month as the expected "income from business."

In addition, there was a few more categories of income which I had no idea, for example keshbek with online shopping. In the middle of the month we were presented with 5000 rubles in honor of the wife's birthday. Earlier gifts were simply pleasant surprises, and now it is also a source of income.

The overall picture of the transaction can be found in the menu "Reports" - "Transactions", set the desired reporting period.

Inscribed all the received and expected returns over the last month, I realized how much money the family will be and what we can expect.

Registered the planned expenditures

After receiving a gift of money, we immediately began to think about where they would attach. Previously, the wife would simply went for a manicure or bought a dress. Easy money we used to spend easily. But, controlling costs, you start to think more about the future. We decided to register the expected spending in the month ahead. So we will understand, can easily spend donated money. We opened in Money Pro calendar and added:

utilities (including internet and telephone);
our loans are to repair and dishwasher;
payment by credit card;
travel expenses for me;
diapers and other things for the child;
hosting for site-portfolio wife to receive orders for the photo shoot;
my lunch to work.

Loan that was taken for repairs, continue to pay 9220 rubles per month. With our income this amount is palpable. Well, the apartment has its own and does not need to put out a mortgage. This consumer credit, I introduced the category of "debt" by creating a sub-category called "Credit for the repair," and scheduled reminders for payments. To this was added a non-burdensome loan for the dishwasher.

When you have to write all of their planned spending for the first time - it's a shock. But through honest self-talk in the language of numbers, you can learn to look at things realistically, and take control of financial well-being. All planned expenditures I set reminders and notifications on dates. When it is on that date, I just had to push in the annex to the "Pay" button - and the flow was recorded. You can also enable "Perform automatically," then do not have to press anything. However, I did not touch her, so just do not miss a payment.

When we see how many will have to spend the next month on impulse spending money one does not want. Sudden 5000 rubles decided to postpone.

Introduced restrictions on the budget

I often allow myself to relax after work in a good place for dinner or drink a beer crafting. Over the weekend, our main leisure - restaurants and cafes. By the end of the month, I wanted to know how much to spend on these things. The Money Pro you can see the cost of categories using a filter. It came almost 7 000 rubles, and it is a bit much. Reducing visits to institutions, we could start off on the airbag. Or at least buy an elektrosamokat - with him I'll spare the bus from the subway to the house. Absolutely no cafes difficult, especially his wife in the decree. I decided to set a limit on Cafe 3500 rubles per month.

The Money Pro is a function of budgeting and expenditure of the indicators for the economy, but they are available in the full version of the application. And I have a free Android. I wanted to purchase the full.

I received a report this month

So, within a month I recorded income and expenses. It's easy to get used quickly, because the operations and the amount of roughly the same. It is time to go through all the reports, available in a version without buying.

A report this month: income and expenses

Income / expenses: we received 86,500 rubles and 83,559 rubles spent. Live "paycheck to paycheck," and one of my pay is clearly not enough.
Assets / liabilities: assets in place, but the liabilities - 132 640 rubles.
transactions: clearly seen, what and when to spend money, as well as any income coming. More convenient than recording in a notebook. Therefore, I saw unexpected sources of income, such as keshbek. However, while he brought only 471 rubles.
The planned transaction: You can see what awaits us in the future, what kind of money we get and where should spend. Our stable income is from my salary of 50 000 rubles. That's what I already knew. But the necessary monthly expenses amount to 22,120 rubles. So, if you do not earn money, the food and everything else is still only 27 880 rubles.

My conclusions

Save so far been nothing, but eventually I found where funneling money. Reducing the budget for cafes and restaurants, next month we will be able to save and to postpone the 3-4 thousand rubles.
Formed at a useful habit to record expenses. There was a feeling that money does not just disappear, and you can control them.
We should start saving money gifts and unplanned revenues in the treasury, to have a supply of finance and not to use a credit card for emergencies. So we postponed the 5000 rubles.
It is important to plan all future costs for at least six months in advance. And like a regular utility payments and one-off kind of holidays and the New Year. So I did.
It is equally important to celebrate the planned revenues, in order to understand what to expect.
Subscription can be synchronized include family, then at each flowrate, my wife will receive a message in real time. This makes accounting more precise - nothing will be forgotten or lost.
There is a desktop version of the application - is much easier to plan costs, and then study the details on the big screen. Especially if you want to use online banking, you have to download transactions directly from the bank on the desired category. Going to install an application on your computer.