😉 Greetings to everyone who accidentally wandered into this site! Friends, in this article I share my method of how to manage a family budget. It is convenient in that you do not need to fool your head with a record of income and expenses, collecting various checks in order to understand where the money ran away.
My way will help any family to live without debt. Today it is very difficult for a Russian family with low wages to financially survive. Prices are growing rapidly, and salaries and pensions are becoming more and more modest …
Maintaining a home budget
Example: a provincial town. A family of two has a monthly income of 38.000 rubles. We take 5 regular envelopes and make the following layout:
Every day you can spend strictly up to 1107 rubles. Every day is different, one day 1000 and another 600. How do you do it. But the main condition here is discipline. From 38000 rubles. subtract 7000 p. for utilities = 31000 divided by 4 weeks = 7750 per week. We put the money (7750 each) into four signed envelopes (weekly period).
If the money in a certain envelope ran out before a week’s deadline, then you cannot use the next one until a certain date.
1107 rubles are not always spent. per day, more often it is 500-700. “Surplus” goes into the next envelope. And they are enough for the remaining two days, which are not indicated in the table.
Perhaps this path is not the most successful, but the point here is not in the amounts, but in the very method that has always helped us! This will help at least live in peace, without debt.
Criticism
Take your time to refuse this offer, try it! What are you missing? Perhaps “along the way”, you will adjust this method in your own way. If you intend to criticize this advice, this is good and I welcome, but instead you need to offer your own version of home budgeting.
You will need the information to save family finances, set out in the article “How to save on food 40%” and at the same time eat normally (going to the store and preparing food). Here are some more tips to help you save money in your budget: Pharmacy Beauty Products.
Learn more on how to save your family budget in this video.
😉 Friends, share tips, additions on the topic: how to manage a family budget. If you find this information useful, please share it on social networks. Thanks!