Family Budget

Or you buy your baby superexpensive toys – can not afford. Perhaps, as you try to compensate for the lack of its own attention to the child? The family budget will tell and the attitude to other people – parents, friends. What is the amount you are willing to give up, buying a birthday present relative? Buying doroguschy vase as a gift to a girlfriend mandatory, as brushing teeth or washing clothes. Psychologists say that when planning its budget on paper, you will "liberate" their brains as a result – increase your mood and performance. Take a sheet and a pen or sit down to computer and draw a table. Columns in it will be three: income, expenses and financial results.

As the planning period for example, take a month. The first column labels – revenue – is wages, stipends, pensions, awards, bonuses and so on. The second column – expenditure budget. It is calculated by the three main headings: mandatory: housing, utilities, school fees and the kindergarten, the payment of loans and so on, the main expenditure: food, medicines, visit rates, buying clothes and shoes, mobile phones, internet, car, household maintenance, pocket money, free spending, money for entertainment, receptions, gifts and others. Another necessary article – "reserve". Our life is too unpredictable, and you can not guarantee that tomorrow will not have a force majeure situation, when an urgent need "real" money. Now estimated there will be enough expected revenue for the estimated costs: subtract from the sum of "total income" the amount of the line "total cost" – this will be the financial result of your activities.