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How to Make a Family Budget

How to Make a Family BudgetMaking a family budget can be hard especially if you just have an exact amount of income every month. Yet, one must learn a budgeting technique for you to be able to minimize unnecessary expenses and save up for the benefit of everyone in the family. Here are a few tips below:

Know your total income

Assess how much income are you earning as a family. Is there only one breadwinner in the family? Are there sideline incomes that one in your family is earning? All these questions must be answered and known by at least the acting financial manager in your family to be able to budget properly.

Your total income would be a basis on how your family would be allocating and spending the money. Is the income enough to support the needs? If you think it is not, this is also the best time to search for other means to increase your financial resources to support everyone.

Determine necessary expenses

List down the necessary bills you have to pay every month. This might include your house rent, electric and water bills, phone bills, taxes and insurance. One must write down the corresponding amount of each bill to be able to sum up how much would it cost you per month for these expenses.

The amount summed will be most probably the amount you are going to pay every month. From this amount, subtract it with the total income your family can have as stated on the previous paragraph above.

Determine modifiable expenses

List down also expenses that can either be decreased or omitted. These can include groceries, weekend getaway expenses and all other unnecessary wants. These are expenses that can all be regulated so as the family can spare a larger amount for savings.

For example on groceries, instead of buying a lot of corn cereals for breakfast, why not go for cheaper means like oatmeal or even your regular sliced breads. You do not have to be fancy for your wants. Always remember that necessity should always be your first priority followed only by your wants.

After you have cut down your modifiable expenses, subtract it again to the difference between your total income and necessary expenses. What’s left can be either used or saved by the family.

Set aside for savings

There is no better plan that to save for the future. Do not solely rely on your monthly income today. You must at least save 20%-50% of your monthly income for you to be able to use it for emergency purposes and any unforeseen events that will be experienced by the family.

If you are tight in making your budget especially on modifying expenses, you would surely end up with something to spare on your bank. When you still have a large budget or savings for future purposes, you probably are doing it right in managing your finances.

To make a family budget, you must be able to account every expenses by keeping all necessary records like receipts. You must also record everything on a notebook for you to check and recheck if ever there might be something wrong in your budgeting.