A huge role in the life of modern manplays such a moment as money, in particular the budget. It is not difficult to guess that it consists of income and expenses. These are obligatory components, without which you can not learn to control your budget.
A special role is played by the income and expenses of the family.How to save money? How is it possible to keep a record of income and "deviation" of cash? This question interests many. After all, if you cope with the task, you can easily learn not only to save, but also to save "extra" money for some sort of needs, a "rainy day," and just for the sake of accumulation. All secrets and recommendations are presented to our attention. Maybe they will really help you.
What for
The first step is to understand why in generalIt is necessary to control the incomes and expenses of the family. Perhaps, it is not worth it to hammer your head in this case? Especially if with finances, in principle, everything is more than good.
In fact, cash management -this is an indispensable moment in the life of any modern person. And it does not matter whether you have a deficit or not. As they say, money loves the account. So controlling finance is a great way to be confident in the future. And as soon as the question is directly related to the family, then certain needs arise. And they need to be covered as needed. Only an accurate calculation of the funds will help not to get into the financial pit, and also to distribute the available money correctly. The income and expenses of the family, which are kept under strict control, as a rule, even with a small amount of funds can yield huge profits and efficiency. But you need to be able to calculate and calculate. What will help in this? What kind of secrets are there?
Records
In general, everyone recommends the collection of checks andthen save them until the end of the month. This is a normal phenomenon that can really help in the allocation of the family budget. But only here not at all and not always it turns out to collect receipts on payment. The thing is that a person who has not previously engaged in this business, is unlikely to begin to learn so quickly how to "collect" checks. It's not so easy, to be honest.
Therefore, there is one method, which is compulsorywill help you manage your family budget (income and expenses of the family). Table! That is, an appropriate entry that reflects all of your spending within a month. It can be both electronic and paper. It is not necessary to keep checks at this, it's enough just to know how much and what you spent or received in this or that month. This kind of report perfectly helps to look at your income and expenses on a monthly basis. In addition, this discipline will certainly help to find a way to save money.
Primitive
Well, let's use this option.The thing is that the income and expenses of the family - the table is very ambiguous. It can include a variety of items that will be useful for certain situations. True, you can use the most primitive model. It is perfect for those who do not like specifics and paper red tape.
What is required? To keep records of income and expenses, you must compile a corresponding table for a month. Minimum in it should be 4 columns. It:
- income;
- costs;
- final profit;
- final consumption.
Strictly speaking, every day it will be necessary tocorresponding fields make the necessary changes. Within a month only "incomes" and "expenses" are actively used. But in the end you will have to calculate both columns and their difference. This is the simplest option that can only meet. The income and expenses of the family - a table that is not unique. But it is desirable to expand it. How exactly?
Specificity
The thing is that everything depends on yourconcentration and organization. But remember: the more you make an effort to compile and maintain a thing like the family budget ("Incomes and family expenses" - the table), the more efficiency will be from your activity at the end of the month. The most primitive variant we have considered. But on this, as a rule, the calculation does not end.
Most often it is more profitable to conduct a full and thorough accounting of the budget. That is, create a table that will contain at least the following columns:
- income;
- consumption;
- a comment;
- total income;
- total expenses.
At the same time, add to these items alsosmall points that will help to establish the specifics. It is advisable to write them separately, but it is mandatory to include them in expenses. It's about such things as basic spending, those without which you can not live in principle. It would also be nice to lead a savings column separately. All this is very convenient to do in the computer. Yes, coping with the full table is not easy. Especially when it comes to comments. They will have to paint what you bought and why. But this will ultimately give you the maximum effect. It will be possible without any problems to look at all the income and expenses of the family, and then see from the side, what specifically you were spending. And, accordingly, exclude unnecessary expenditure.
Accumulations
What else is worth seeing?To be honest, an important point will be the line of savings. And it is desirable to exhibit it in several presentations. The first is the current state of your budget (or rather "extra" money). Let this column show how much money is delayed at the moment. You can even keep this account with comments. For example, if you postpone for something specific.
The second view is the amount of money,which will be postponed in a month. It is through this approach that the family budget is formed. Revenues, expenses, expenses and revenues are important. But if you are faced with the task of savings, as well as savings, then try to include the relevant items in your table. Let depending on the savings you immediately, at the beginning of the month, postpone 10% of the profit (wages, for example), and then distribute the remaining funds for a month. Therefore, the second item in the "deferred money" section is a fixed amount, reflecting, as a rule, 1/10 of the total profit. A good way to save money.
Income
Well, it's very convenient now to use thisthing, like a computer. It will help to quickly and without problems control the income and expenses of the family. The table in Excel is what we need. In general, it is enough already given points and columns. But if you want detailed specifics, then special attention should be paid to the point of income.
What can I include here? To begin with, this is an advance.He at work is issued very often. After all, write down the wages and bonuses. They will help to generate more accurate data. And, of course, you at any time will be able to exclude this or that source of cash.
In addition, pay attention to income fromgifts (let there be a separate column for this feature), interest from deposits, other sources of profit (such as scholarships, income from property, and so on). All this is painted in great detail, so as not to miss anything important. In principle, usually such a table is already more than enough.
Costs
Now pay attention to the costs.They also play a very important role. Comments are good. But only better to accurately record where and what you spend money on. The "Family Budget: Income and Expenses" table, which details your spending, is a well of economy and control.
What is better to include?In a separate paragraph, select the "Basic" section. Let it be communal payments. Subparagraphs also have to be done. What are we talking about? For each account let separate graphs be allocated. In other words, write down in the table separately the amount of funds for common communal (house) needs, cold and hot water, heating, electricity, overhaul.
In addition, the income and expenses of the familyusually mean the distribution of the budget for food, clothing, gifts and travel by transport. Let at least these moments be reflected in your table. Bought something? Listed with a comment in the appropriate field. Done in the transport? Have written down. Yes, at first it will be difficult, but then you will learn how to make calculations quickly, and also do not forget to make notes on expenses.
Balance
Another very interesting technique is the inclusion ofa table of the so-called balance at the end of the month. It is advisable to postpone it for your own needs. Let it be a pleasant bonus to 10% of your salary.
The balance at the end of the month is the difference betweenincome and expenditure. You need to calculate the income and expenses of the family, after which you take away the second item from the first item. And you will get how much money you have left. Very well helps this technique when you need to learn how to accumulate funds. Perfectly visible difference at the end of each month.
Calculations
Как же рассчитать доходы и расходы семьи?To be honest, here the built-in "Excel" formulas perfectly help. They will quickly and accurately bring you results, and automatically. And then you will have to analyze the budget yourself.
To calculate the amount of expenses and revenues forend of the month, in the appropriate final column, you will have to insert the "Sum" formula. Then simply select all the fields that relate to the funds receipts, and also their expenses accordingly, and click on Enter. The result will be displayed. Nothing difficult. Very convenient, especially when you consider that "Excel" will act as a notebook and a calculator.
Проценты от накоплений рассчитываются несколько otherwise. We need to write in the formula line =, then indicate the total income (the amount from which we will take 10%), after typing "* 0.1". This algorithm will help you quickly calculate how much you need to defer from wages at the beginning of the month. In principle, no more formulas will be needed. It is enough only to summarize, subtract and compare constantly.
Secrets
Now a little bit about the secrets of saving money. Of course, taking into account the maintenance of our today's table. Without it, it's difficult to navigate in spending.
The main income and expenses of the family arerequired items. These usually include salaries, expenses for utilities and transport. Fill in these columns first. To exclude from them something is usually impossible.
Pay special attention to your purchases.In particular, when you make large gifts or just buy food. Often you can take a lot of extra. On all points in the check mention in the relevant comments. At the end of the month, you can summarize and see what you could do without. Good reception, but it requires careful analysis.
Necessarily, what was left at the end of the month frommoney, put it off. You can write this money in a separate item. A very good way to save money and an additional source of profit "for a rainy day." Over time, you will learn by means of analysis to quickly increase this indicator. So, the income and expenses of the family (the table will help control them) will be in safe hands.
Do not want to draw tables yourself and doreports in Excel? Then download and install ready-made templates for yourself. They, as a rule, help to sum up both monthly and annual totals. This option is in great demand among users.
