Сб, 28 мар 2015 Автор: Юлия ЖолонскаяIt often happens that with the same income, some families
live in abundance, while others are constantly lacking
borrow or once again use the “credit card”. Why
some can afford a good vacation, a trip to the restaurant and
a concert, and others do that they complain about lack of money?
The answer is simple – some are able to properly manage money, and
others are not. And if your family falls into the second category, then
you need to learn how to plan a family budget correctly, and not
complain about the “bad” feng shui and small incomes.
In every woman (men – no exception!) Sits a spender, and
This simple but effective method can help you.
analyze and properly plan your expenses. Rule “7
envelopes ”will help to follow up on what the money goes, and
realize your financial goals!
Start by preparing envelopes: you can buy them or make them
paper. Sign the envelopes and put the money in them.
Contents
The first envelope – “food”
How much to put in this envelope can be calculated on
two to three months, analyzing and fixing their costs
on food. On average, it is 20 – 50% of total revenues, in
depending on the level of earnings. For food should be used only
this money, and if you did not calculate both the funds and they ran out
ahead of time – “tighten the belt” and go on a diet. In the next
month work on the bugs.
The second envelope – “housing and services”
Here you need to save money for utilities, payment
Internet, telephone, credit and all other mandatory
payments. Every family knows them, and problems with calculating the required amount.
should not arise.
The third envelope – “things”
This is money for clothes and shoes, furniture and household items. Amount
determine independently, depending on needs and level
income. Here it would be good to make a list of necessary things, and
acquire them in turn, starting with the most necessary.
The fourth envelope – “children”
Clothes, shoes, toys, activities, health, tutoring. it
mandatory costs that can not be saved. Whenever possible
constantly increase this amount.
Fifth envelope – “leisure, vacation and entertainment”
Money from this envelope is intended for vacation, home
holidays, going to a restaurant or a cinema, gifts, hobbies. Amount
depends only on your wealth, and first let it be
It is small, but with pleasure it is spent on a new disk or book.
After all, every married couple somehow needs to relax,
change monotonous weekdays. In addition to the fixed amount, this
envelope set aside all “unplanned” revenues, if any
are available.
The sixth envelope – “accumulation”
Save about 10% of your monthly income in this envelope (you can
and more, but not less!). it ваши сбережения, или в народе
referred to as NZ (emergency reserve). As they accumulate, these
money can be spent on large purchases: household appliances,
Jewelry. As well as the repair or purchase of an apartment,
cars, etc. However, do not immediately spend the entire amount, leave 10 – 15%
savings for emergencies.
This money can be stored in the bank, which will also be
multiply by interest.
The seventh envelope “gifts”
And this envelope will keep the “extra” money remaining in
other envelopes after a month. You can safely them
spend on your whim, pamper yourself, love, because you are
deserved! Or make nice gifts to your loved ones.
The secret of “7 envelopes”
The main rule of “7 envelopes” – never take money from
another envelope. That is, you can spend money from the first envelope.
just for food, and not for going to the movies or to a new blouse. Love
have a good rest in a restaurant? Then you will stay without a trip to the warm
edges etc.
If “crises” happen, and you just have to take money from
another envelope, be sure to write down the amount on it when and
how much they took, and when they returned the “debt”.
Constantly adjust amounts, taking into account your income and
needs work on bugs. However, you should not save on
all the little things or on very important things. Total savings –
a sign of stupidity, not thrift. It’s no wonder they say that
miser pays twice.
