How to save your family budget

Where and how can you save money correctly, and when can you set off into an unrestrained transtering? Let's understand.

Choice of consumption level

1. It has long been noted that people, painstakingly, step by step reaching a certain financial well-being, over a certain subsequent time are in no hurry to change their level of consumer requests with the growth of real family incomes. Before moving to the next stage of purchasing activity, they create a certain buffer zone, i.e. accumulation phase. Part of the money that goes beyond the usual level in one form or another, accumulates as a stabilization fund to cover possible failures of the following periods.

This is the best model for the formation of the family budget,at which the task to save does not cost in principle. People just look around, look for new interests, choose priorities. The problem of buying a new car, a joint trip abroad or the purchase of expensive household appliances, most often necessary, rather than branded in such families, is solved quite easily. Boring, but reliable.

2. The situation is reversed. On the wave of random cash receipts (inheritance from the aunt, winning the lottery, successful trash) requests and, accordingly, the expenses of all household members suddenly increase. They understand that there are no objective prerequisites for such a life, even for the immediate future, but the principle "we live once" works without fail. Psychologically, it is very difficult for a person to give up all the temptations of modern civilization, if they themselves swim in their hands.

The result is usually pitiable: needs remain, and money is over. And go to the cheapest dumplings after he tasted foie gras in a Parisian restaurant, very hard, but it is necessary. It is these vital conflicts, of course, not in such an exaggerated form that force people to move to austerity and think about the formation of a new family budget.

3. The budgetary problems of the rest of the population of our country simply copy the problems of the state itself. Well, do not get them out of the deficit, do not reduce the asset and liability. Let a little bit, this way 5-6%, but still in the red. This is a very simple, economically and psychologically sound explanation: our people have learned to live in debt and enjoy it with pleasure. The possibility to postpone part of the payments for later allows many of our fellow citizens (especially young people) to make up their family budget without a special desire to save on the family budget. Perhaps this is correct. The whole world lives on credit, and the worse for Russia. One worries, the debt is taken by parents, and their children will have to pay for them.

What can you save on

At eating and buying it. No matter how the structure of consumption in the country changes, we spend a significant part of our family budget on products. But here is the paradox, Russia has come close to the catastrophic indicators of Western statistics on the amount of discarded food. Think about: almost a quarter of grocery products bought in stores (bakery, dairy, meat products, cereals, vegetables, fruits and then on the list) end up in the garbage dump. These are facts.

To someone who says that it is difficult to predictreal family eating habits for a week on a trip to the supermarket, we will give three simple tips: before going to the store, have a breakfast or lunch; a full-fledged individual is not enough from the shelves, no matter what; make a list of purchases and follow it implicitly; less pay attention to trade discounts and promotions.

On public services. This has already been said a lot, but the fact remains: installation of control devices for pipes of cold, hot water and heating, as well as dual-rate electricity meters at existing and expected tariffs allows to save significant family money.

On an unnecessary technique. This is the trouble of our time. Imported and domestic appliances that could work for 10-20 years, has sunk into oblivion, new gadgets recommend buying once every six months, because the new TV set will ask you to "good night" before turning off. It shows the same way as the previous one, because the antenna is so-so, and the new tablet is also not friendly with the network. People buy electric meat grinders, steamers and bread makers, which, God willing, will be used once or twice in their lives.

Than not an option to save money in everyday life. On clothes and toys. How to properly save on the outfits of her husband knows any woman. Clothes for a man should be four sets: summer and winter front, summer work and home everyday. But with children's moods, everything is much worse, and both parents usually take part in this unscrupulous excuse from the child. If instead of buying another Hero Factory you just play with your boy in old toys for half an hour, you will not only save money for his training, but also make him happy.

Author: Katerina Sergeenko