We plan the family budget according to Maslow's hierarchy of needs

Establishment and maintenance of a family or personal budget - not such a simple matter, as it seems. On the one hand, everything seems to be simple - thought about how much you need to buy food, to pay for utilities, clothing, economic needs and so on. But then suddenly you remember that you wanted to buy the still new pants, and it was necessary to update the equipment. And after all, it is necessary to look to the dentist - and flew! We need so much, and the family budget is not elastic, and money does not grow on a tree. But it also wants to postpone to a supply of just in case.

How to find the perfect budget planning to obtain and ours, and yours? That is, all you need to consider, and leave yourself to the joy of small and medium-sized (especially large should always plan ahead)? One of the options - make a budget based on a pyramid of human needs by Maslow. By the way, a very interesting and practical option!

The pyramid of needs - vernacular hierarchical model of human needs, which is a simplified summary of the ideas of the American psychologist A. Maslow. needs pyramid reflects one of the most popular and well-known theories of motivation - the theory of hierarchy of needs. This theory is also known as the theory or the theory of the hierarchy of needs.

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The idea is to spread your income so that all needs are met according to their Priority: physiological needs, security needs, social needs, the needs of prestigious and spiritual.

On the one hand, everything seems to be simple and clear. But then sometimes there are doubts on the bill of what species needs to carry a particular item of embezzlement. For example, buying a new smartphone or laptop can be interpreted in two ways: at first glance, this is clearly not a physiological need and not the need for security, but if we consider this purchase as a necessary working tool for a new job, his position in the list immediately It is changing.

The principal can be considered as the first two of the hierarchy - the physiological needs and security needs. The remaining steps can be attributed to a simple "I want to."

Budgeting according to the pyramid of needs Maslow

physiological needs

• Rent or loan payments
• The main livelihood: groceries, food products (no frills) and water.
• Clothing: do not design, namely, that it is necessary (a warm jacket when winter began, and so on).

security needs

• Electricity and Gas
• Telephone charges
• Medicine (money for medicines, doctor on call, procedures and hospital) or insurance
• The cost of the car (petrol) or public transport
• Maintenance of the house or apartment (suddenly burst pipe - supply must always be).
• Operating costs associated with your business.

social needs

• Gifts
• charitable contributions
• Entertainment
• Pastime with family and friends

prestigious needs

• Appropriate clothing for work (expensive suits, ties, cufflinks, shoes)
• Additional training and development in the professional plan (various workshops, seminars and courses)
• Money on meals in restaurants
• Sport activities not related to basic biological needs (visiting sports club, individual sessions with a trainer, buying expensive clothes or sports equipment, and so Further).

Spiritual needs and self-actualization

• Hobby
• The cost of the Internet, if it is not necessary for the job.
• TV
• Vacation and travel just like that, and not by necessity.
• The cost of luxury goods (here they have each their own).

Frankly, development and maintenance of the household budget is always given my family is not very easy. But over time, we were able to make their system, and it is more or less the same as the one I quoted in this article: the first place is always the most you need - home, food, work, and study medicine, and only then go to the other items that really can be combined into a group "Desire."

And you know what? It really works!

How you run your budget? Do you own the system and how it works flawlessly?