As everyday practice shows, there is not much money. And if there is a family and children, the finances tend to disappear faster than they appear. The question of saving money can arise in families with any income, since not always the level of wages is a guarantee of a comfortable life. Much more important is the ability to properly allocate funds and spend them wisely.
Tips on how to save money in the family
Reflecting on how to save money in the family, the husband and wife do not always look at the same question. It may seem to the husband that the wife spends a lot of money on herself, and the wife - that the husband is guilty of embezzlement. Therefore, an important point of family saving should be the planning of funds. With each arrival of money in a family of spouses, it is necessary to agree together on what and how much money will be spent. It is necessary to take into account such expense items:
- obligatory payments (utilities, payment of telephone conversations, Internet, education of children, insurance, etc.);
- food - it is best to allocate a certain amount for each week;
- necessary purchases (clothes or shoes, car repairs, purchase of equipment) - this item can cause disagreement, so you need to start with the most important and move as far as the budget for this article is enough;
- rest - this expense item can not be ignored, as life will turn into routine. If you do not spend money from this column, then transfer them to the next month and add to them the next month;
- inviolable stock - not every family has enough money for this, but we should strive to save at least 5-10% of income.
When you have specified these items of expenditure, you can see where and how much money can be withdrawn, and also be able to track the cash flow. Inability to plan is the main enemy of saving.
In addition, there are tips for saving money:
- buy high-quality things, because substandard shoes and clothes can not last long and lead to new spending;
- Do not buy things in branded boutiques, where you have to pay not for a thing, but for a brand;
- household chemicals and hygiene products should be purchased in large packagings, as this is more profitable;
- household appliances can be purchased in sewage, where prices are reduced because of a non-essential defect.
Save money on the menu for the family
There are several important tips for saving money in the family on products:
- Allocate a certain amount of money to the products and try not to go beyond it. This will help to avoid excesses and unnecessary waste.
- Make a menu right away for a week. Do not forget that it must be diverse and balanced.
- Buy products at once for a week, to visit the supermarket less often, in which you want to buy everything and more.
- Go to the store strictly with a list, so as not to make unplanned purchases that knock the family out of the budget.
- Start a notebook in which you need to write a list of the first, second courses and desserts that you can cook. There are so many recipes for inexpensive
dishes, which we forget, so this notebook will allow you to remember how you can please the family and at the same time spend a small amount. - Track the product that takes the largest amount of money from you and try to find an alternative to it. If it's meat, then learn how to cook vegetable or fish cutlets . If it's sweets, you'll have to buy in bulk flour and sugar, and bake cookies and cakes yourself.
Knowing how to properly save money in the family, you can become the master of your finances and find free money that you did not have before.