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For some, the idea of a budget is often a blur. It is frustrating to see how hard it is to do a budget and realizing that with one wrong purchase, you can actually ruin the entire thing. And this has been a perennial headache for most homemakers. It is about time to overhaul the way people look at budgeting. It can actually be a great way to keep track of your family’s expenditures and help you evaluate the things that you spend the lion’s share of the family’s earnings on.
What is a budget? A budget is a tool for handling your finances by controlling the family’s expenditures in a way that money is enough for paying up bills, and still ensuring that savings are set aside for future expenses – vacations, or children’s education, or even for retirement.
Try these simple steps in preparing a no fret family budget, and see the benefits of intelligent spending.
- Gather three months of your pay stubs and get your average monthly earnings.
- Get out three months of your monthly bills. Do this for the fixed expenses like the rent, phone bill, car payments and other loans that come monthly. Add them up and get the average. Do the same for other expenses like groceries, and credit card bills.
- Evaluate the results of your computations. Looking at your average monthly earnings against your monthly fixed expenses and other monthly expenses, think of some ways to economize. Cut back on some items that are somehow unnecessary.
- Knowing the facts of your income and expenses, develop a family budget and try to stick to this monthly budget.
- Now that you have a monthly budget, set up a savings account. Save up by making regular deposits to this account.
- Keep track of this monthly family budget just to see if it is working for you. Try to fine-tune the “rough edges” of this budget as you go along.
- If you can get hold of a personal budgeting software or spreadsheet application to keep a record of your budget, the better. This will make organizing your expenses very easy.
These are the basic steps in developing and implementing a no fret, easy to stick to monthly family budget. Of course each family has diverse needs and wants. You have the freedom to develop your own monthly family budget, depending on your family’s financial background and needs. No matter how you do it, just focus on the end result, which is building savings that leads to a bright and financially stable future for your family.
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The “3 in 1” test designed to estimate your chances of becoming successful according to your personality.
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Have You Ever Wondered?
Is this all there is to life?
Are you living your full potential? Most of us only live a fraction of our true potential.
Why them but not me?
What do “they” have that I don’t? Is there a success trait that I am missing?
What if things were different?
Who am I really? Can a shift in surroundings change my destiny and outcome?
The “3 in 1” test designed to estimate your chances of becoming successful according to your personality.
Whether you are willing to admit it or not, your traits make a big part of your success, or the lack of it. Your virtues and flaws, your world views, your opinions, all impact the wider image, taking you straight to the success lanes or driving you away from it.
Do You Have What It Takes To Become Successful In Life?
Take the quiz now…[/vc_column_text][/vc_column][/vc_row][vc_row css=”.vc_custom_1581716205002{margin-top: 26px !important;margin-bottom: 26px !important;}”][vc_column width=”1/3″][vc_column_text]
Success Potential Test
Your personality often dictates your success. Find out with 95% accuracy whether you are wired to succeed – based on the Hexaco Personality Test.
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Depression Test
Depression highly impacts your ability to function, thus preventing you from reaching our fullpotential.
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World View Test
Your perception of reality changes your future reality. Are you predominantly optimistic or pessimistic?
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