Fifty percent for necessary items, thirty — desirable expenses, twenty — on savings and repayment of debts. So recommend to allocate the budget the authors of many popular manuals on management of personal finances (for example, “All Your Worth: The Ultimate Lifetime Money Plan”).
The scheme is good, but, alas, are often incompatible with reality.
Savings without fanaticism.
If you just train myself to plan a budget, do not set a rigid framework.
Aim for 50/30/20 proportions gradually.
- Give yourself the opportunity to quietly banish long been assumed financial obligations — consumer loans, mortgage etc.
- Without a doubt pay for goods and services depends on your health and health of relatives. It is foolish to save on visit dentistry or purchase fruit.
- To completely abandon the joys again not necessary. Iron willpower is a beautiful thing, but it has its limits.
It is better to control your budget reasonably and without excessive enthusiasm, than to take a tight grip for two months, and then, tired of the wild restrictions, to dissipate all pending funds in one evening.
Let to delay exactly 20% of the amount will not every time, as long as you purposefully replenish the reserve Fund to the best.
To start, set a long-term goal to create an emergency reserve, which you would be enough for six months of normal life.
Components of the budget tables: the list for reference
It is not necessary to reinvent the wheel. Use simple obvious sign:
The allocated amount
Products and household chemicals
Clothes and shoes
Think about all the other important components of a budget will help you reference list:
- rental housing;
- transportation (gasoline and maintenance of car, the cost of bus or subway).
- education (payment for courses, purchase of necessary books);
- the calculation of the loan;
- mobile communications and the Internet;
- medical (medication, visits to private clinics);
It is sometimes convenient to designate as a separate item relatively expensive specific purchase — such as a new computer. But the shorter managed to formulate the basic requirements, the better.
Do not overload the table. When two items can be combined into one, it’s most likely worthwhile to do.
Pay due attention to the accuracy of expenditure forecasting.
Costs that you are coming for the first time, usually not too hard to predict — thanks to the Internet. Going to go to the pool — open fitness center and find out what is the specific price of the service. Could not find a price list? Find the phone number of the organization and spend three minutes answering the call.
As for tracking expenses — there are some fundamentally important details. Read the rest of the article.
He, in particular, will learn how not to go crazy trying to count every ruble spent.