Is not important that we get the money, the easy access and a soft, but what is important is to maintain the money they get and how to spend wisely and measure.
Asked one of the rich: how brought enormous wealth?! He replied: low fees and good planning.
So lesson is not to obtain money, Everybody him as a living God as far as him, but a lesson in management and planning, we offer ideas 9 assists couples in maintaining the family budget and save money.
Entrust a person up
1 - must be that the couple were charged with the task of monitoring and follow-up expenses of the family income, which may be the husband is eligible role or wife or anyone else. Important not to be missed and floating matter, (the pond), but do not come only when the pond investigates rights causes and watched.
Writing
2 - must be in writing each family income of revenue, whether these revenues from monthly salary or annual bonus or inheritance, bequest or investment return, as well as writing the couple spend one day at the restaurant and drink, clothing, education, medicines and means of communication and transportation, furniture, domestic and otherwise.
A special book
3 - must take the couple book a special audit family is not required to be at the accounting systems adopted, but important to show where revenues and expenses and savings, a couple of follow-up and surveillance, and if one spouse loves to deal with (computer) There are special programmes to pursue personal budget.
Development of the accounting system
4 - After a period of writing and can follow the evolution of a couple of accounting, and draw on the experiences of past and put their own schedule as the expenses and revenue.
Be flexible
5 - should be dealing with flexible planning and budgets. In anticipation of the circumstances that may require the family-account, to be prepared to do this, so that makes the budget to accommodate any emergency developments.
EDUCATING CHILDREN
6 - we have to sit the couple with their children to talk about the budget, writing accounts so that parents learn the son of the family planning and value the expenses. Not every buy what he likes, but if allowed this budget is also benefiting from the children how to manage their future.
Plans for the future
7 - Maintaining the budget requires knowledge of future plans for parents and family goals seek to achieve, so that they can spare from spent what meets the needs of future family home building and boys and health expenses in old age and so on.
Ready for summer
8 - I know the family travels to a foreign country in every summer, which do after the head of the family monthly budget preparation and finalization of all charges, he transferred to the account in that state between 100 to 200 d. K do not come in the summer but his collection there are between (1200 to 2400) d k. Benefit to leave for rest and entertainment, more objective and clear budget was responsive to the needs of the family.
Creativity in the economy
9 - the couple to adopt an innovative way to provide revenue so that the budget is strong, for example, collectively the week of weeks "None" and trying to reduce expenses as much as possible. Or to deduct a certain amount of revenue in the calculation of income does not affect certain to be a fixed monthly stipend, but have to provide, I know a person has four accounts in the bank, once asked him why and he said: First Account: household expenses, and the second account: Use of emergency, the third account: Where more for retirement, the account IV: saving it for summer vacation, I told him that God and creativity in the economy.
In conclusion, 9 had ideas of their own villages to maintain the family budget, I recommend that the husband is watching calculated from time to time, the first Powell, and neglected the last month not know then how to manage its expense
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2008-09-18, 18:25
العرض العادي
