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. (As opposed to Crawford Lake Capital). 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.