If you dream to meet a russian girl and live a family life, you should learn about saving. The art of saving is based on budget planning. It is for this reason that most people do not know how to save, because the ability to plan must be developed, except when it is given from birth – and this happens less often than it is customary to think.
The success of such a serious thing as marriage largely depends on the financial literacy of partners – because marriage most often involves the use of the family budget, which must be planned and streamlined. This is the main secret of saving money.
Family Budget
The family budget is a matter of responsibility, requiring accounting and planning. To understand where and what to save, find out what money is spent on. For clarity of the situation, get in the habit of keeping track of the budget not in your head, but on paper. Be sure to write:
Income. When counting, consider all sources of income in the family: salary, pension, scholarship, money from additional sources of income.
Costs. In this column, several points should be highlighted: Mandatory expenses: taxes, utilities, credit and mortgages, food, essential goods, clothing.
Arbitrary costs: a visit to the planetarium, a concert, the purchase of household appliances, furniture.
Unexpected expenses.
First, analyze the income and expenses for the previous month. How much did you make rash and unnecessary purchases? Such a method will henceforth not repeat mistakes in the future. Before starting the budget, determine the planning period: week, month, year. It is most convenient, to begin with, a month. Regardless of whether you keep records of income and expenses on paper or on a computer, systematize records. Then you can look at the budget picture for the year and make a plan for a longer period.
What Can You Save on?
Making a plan, consider which of the expenses are really needed. In difficult times of crisis, it is important to give up rash luxury. Luxury, in this case, means the purchases not worth of money you spend on them. For example, daily dinners in a restaurant, buying expensive branded things instead of budget options. And what if the luxury has long been done away with, but there still is not enough money? Review the cost list again.
Products.
The cost of food is the main expenditure item in the family budget. We want to eat tasty and healthy food every day.
Saving on food does not mean an off-schedule diet or a hunger strike. Eating properly without unnecessary costs is the goal of skillful planning.
Expensive does not mean quality. When choosing, look not at the beautiful wrapper, but on the composition of the product. In the shops, you will find identical goods of the same quality, but different in price. The reason is in the package: the brighter it is, the more money it costs. Look closely at discounts and promotions. Sometimes they bring tangible benefits to the buyer, but often turn out to be a false trick of marketers.
Utilities
When paying for utility services, savings are possible on services with a non-fixed cost. Counters help to significantly reduce the cost of electricity, gas, water.
Bad Things to Save on
On the quality of the goods. Saving is not buying unnecessary cheap stuff, but searching for a good thing at an affordable price.
On health. Be sure to maintain the right diet, otherwise, you risk paying your whole life for excessive savings.
Save money to buy funds that strengthen immunity. Prophylaxis during the cold season is more profitable than buying expensive medications.
On small pleasures. Pleasing yourself is useful for raising the general tone and mood, but do not do it too often.
