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When the holiday season approaches, the payment of bonuses, gifts, new year, time of meeting, sharing and preparing typical dishes of the season, household expenditures are on the agenda. When you finish the whole party comes the month of January and all the money has gone to a better life, disappears like the wind. The main cause of financial distress in many families is the lack of planning. It is true that money can not buy happiness, but it does provide some facilities and satisfiers to enjoy family life. If you want the economic factor does not cause difficulties for you, but on the contrary, contribute to the union of the couple and family, you need to set certain conditions from the beginning, such as: a large mutual trust, undivided loyalty , a continuing openness in economic and detailed budget planning.
When the holiday season approaches, the payment of bonuses, gifts, new year, time of meeting, sharing and preparing typical dishes of the season, household expenditures are on the agenda. When you finish the whole party comes the month of January and all the money has gone to a better life, disappears like the wind. The main cause of financial distress in many families is the lack of planning. It is true that money can not buy happiness, but it does provide some facilities and satisfiers to enjoy family life. If you want the economic factor does not cause difficulties for you, but on the contrary, contribute to the union of the couple and family, you need to set certain conditions from the beginning, such as: a large mutual trust, undivided loyalty , a continuing openness in economic and detailed budget planning.
Plan your budget and say goodbye to the wasted money The budget is a realistic and balanced distribution of income and expenditure, the budget can make annual, biannual, quarterly, bimonthly or mensual. Debes realizarlo tomando como base el período anterior: los ingresos, los gastos, los incrementos de precios, algunas situaciones familiares (mudanzas, nacimiento de un hijo, ingreso del hijo a la escuela y otros). Si planificas tu presupuesto de manera detallada y organizada, tomando muy en serio tus ingresos y egresos, ten la seguridad que el ahorro familiar no será un problema para ti. Propónte desde hoy dividir los gastos en categorías y prioridades.
Los gastos se pueden dividir en tres categorías:
Los gastos se pueden dividir en tres categorías:
1)Gastos necesarios. Son aquellos de los que no podemos prescindir: la mensualidad de la compra o el alquiler de la vivienda, alimentación, clothing, housing maintenance, utilities (electricity, gas, water, telephone, condominium), transportation (bus, taxi or car maintenance), medical expenses, education and holidays.
2) Expenses useful. Are those that improve the state of things and people: electronic devices (TV, audio player, video, washing machine, heater), toys, training, sports activities for the family, leisure books, repair of furniture or appliances, remodeling, etc.. This expenditure should know without any of them, should not be necessary or helpful.
3) superfluous expenses or trivial. Are those that once covered should allow necessary and useful expenses and saving for contingencies. In this category might include: leisure travel, luxury items, organizing festivals and club memberships.
Some families, with a positive sense of brotherhood and solidarity with others, set aside a percentage of its budget for social assistance and charity. This does not mean we should give alms to everyone that comes our way, and we would be contributing to their misery, I think that is the correct way to really help someone. It's much more rewarding contribute useful to the community causes.
The good performance of the budget provides economic security to create peace and tranquility in the economic aspect.
Saving is the sure path to prosperity
How can we better meet our payments?, What can we do with our savings?. Some order in the family accounts can help distribute expenses and save for the future. Is the time to record it all in detail, this is the key to accounting, a valuable tool that informs us about our economic situation at a particular time. In addition, by book sistemáticas de los ingresos y gastos, nos permite conocer la evolución de la unidad económica familiar, de modo que hasta nos sirve para efectos tributarios. Para tener una visión objetiva por dónde entra y sale tu dinero sólo tienes que clasificar los presupuestos detallados con un seguimiento de los gastos, por ejemplo de colegio, gimnasio, teléfono, agua, electricidad, dinero de bolsillo, etc. Una vez hecho esto, podrás analizar cómo y cuándo se producen los gastos, cómo se reparten por meses, y podrás crear un calendario de pagos con el momento idóneo para satisfacer los recibos pendientes.
No es difícil, y no es necesario previous knowledge of accounting, especially if we use any of the specially designed software to manage household finances or just pen and paper, in short, you control the economy of your home. Families, as an economic entity, they are very helpless against such disasters, so the only thing to recommend it is prudence and thrift.
Thought: "The road to wealth depends crucially on two words: work and saving" Benjamin Franklin
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