budget, to keep
If you know the following situation: as soon as the first of the month your salary on the Account is not much time to look forward to it. For as soon as rent or rates for home's, utilities, insurance, telephone, Internet and mobile phone bills are paid, the balance is still shrunk quite a bit.
Many households have any use but other obligations. About installments for your car or other purchases, fuel costs, monthly tickets, etc. And then come the
daily needs: food, beverages, clothing, shoes, personal care ... and the money is running out. At the end of the month is then hardly any money there, or worse - at the end of the money is still plenty of months left.
This is not a nice feeling! It inevitably raises the question: what I am working really, if I am nothing remains of my income?
But what can you do about it? We neither have an impact on the tax burden in the state, nor on the price of energy companies, insurance companies or the retail industry.
What we can do is: to review our budget and reduce costs. And this is possible without compromise. It is amazing that this savings potential comes to light.
we go's on, then!
"Who wants to change the future, the presence of actively shape!"
Just as for a general check at the doctor, we must first make a full cash check. Who knows his situation is not entirely accurate, they can not improve it.
Therefore create two lists: a revenue and an output list.
income should list includes:
- content
- Possibly. 2. Income
- child benefit Other income
output list all monthly fixed costs should include:
- rate for rent or home's
- charges: electricity, gas, water and sewage, heating, garbage collection
- Phone, Internet, mobile phone charges, GEZ fees
- installments for your car or other purchases
- insurance, building loan, private pension
- subscription ticket, theater, club ...
- bank charges, credit card
- kindergarten, after-school or lunchtime supervision, lunch money, school fees, etc.
If you are proficient with Excel, set here to an appropriate table. Otherwise, write them by hand, wear a revenue and fixed costs, and copy the table 12 times, so you can complete each month.
It is very important that you meticulously all monthly expenses accurately record and miss a large consignment of this, because this is the basis for our "diagnosis". without diagnosis because there is no cure!
Consider your family as a small business. Only after you have deducted from your income all the fixed costs, you know what financial freedom you have available each month.
course, there is just families with children in many needs. However, like any good entrepreneur, you need the existing budget plan carefully so that at the end of the month does not threaten the MRP. Because this may eventually lead into the debt trap and into personal bankruptcy. And the way out of there is far more strenuous than the control before.
While this is certainly the first time some work, but it's really the only way the accounting jungles of charges, contracts, installment payments, etc. to keep track.
And one more thing you must not lose sight of. There are some items that are only payable once a year, thus they are not so present and when they come up then, there is often an unpleasant surprise. Therefore, you should also obtain an overview about a month and put some amount aside for it.
Remember:
Not the start to be rewarded.
but simply the perseverance.
Good luck!
