Remember anecdote about a married couple where the husband asked why he always holds his wife's hand. Love? Romance? "If I let go of her hand, she runs away and something themselves buy," - dispelled the romantic subtext of her husband.
Chaotic impulsive spending - one of the reasons why we are constantly short of money. And then we wonder why at the same income, one family lives in prosperity, and the other - always remains "the Bean"? Why do some always have money on vacation or for large purchases, while others barely make ends meet? All the matter in the planning of the family budget. And the easiest way to do it according to the method of envelopes 7. So, take the envelopes 7 and each sign ...
NUTRITION
What is the amount put in the envelope, tell your audit within 2-3 months, and began to put 30% to 40% of salaries. If you have missed this limit, burn, how many had to spend in excess of the next month to correct the error.
Utilities and CREDIT
This envelope should be based on the money for the payment of services Comunale, internet, bills for mobile, as well as - the credit if you pay a mortgage or calculated for a major purchase. Typically, this amount is calculated according to the hryvnia to UAH Application Fee. "Communal" faster and more economical to pay over the Internet - to spend less on commission.
THINGS AND USE ITEMS
Every month we have a spending on the necessary hygiene products, detergents for dishes, clothes, shoes, hair salon, manicure. Spend home "test", make a list of needed items / services and get them one by one, in order of priority.
CHILDREN
Payment for school, mugs, money for tutoring, toys or books - is mandatory spending, which is not worth saving. Ideally - a monthly increase of the contents of the envelope.
HOLIDAY, RECREATION AND ENTERTAINMENT
Case - time fun - hour and money. Cinema, cafes, hobbies, books, and gifts to friends and family - without this it is impossible to relax and recharge, to earn the rest.
Large and unplanned purchases
Dear outerwear, furniture, household equipment items, a new laptop, etc. - these "gadgets" in need of updating. These purchases can be deferred money in an envelope, and can be put on deposit in a decent bank, then the amount will gradually increase due to interest accrual.
Investing in the future
In the seventh envelope delay is 5% -10% of the monthly earnings but not less. It's money for self-education, the education of children. In the end, the amount of this envelope will go to repair a major purchase or for charity. BUT! 15% -20% of the accumulated amount should remain in the envelope.
