Budget Family
Limited resources and unlimited desires. That’s the classic problem faced in the allocation of budget funds. This problem is also encountered in the management of personal finances or family. Some of those involved in the speaker’s personal funds allocation and introduce family planning as a form of allocation of funds by the Family Budget. Mentioned that not too strange for my friends who “engaged” in the financial world.
Often we find people complaining, still young dates, but the money was almost gone. Regardless of our revenues, financial planning needs to be done. Financial planning management to ensure a good family. And whether consciously or not support the financial management of certainty in future funding. Planning a family budget is a financial planning efforts.
Budget of the family is the financial plan for the future in a certain period illustrates the allocation of income received by a family or someone to fund the necessary expenditures for the same period.
Budget implemented the Family is important in managing your family finances because there are some benefits to be obtained, for example:
* Setting goals family income and expenditure
* Increasing realization of the spirit to meet the revenue sources that have been established in the budget.
* Knowing the extent to which the realization of the Budget Family
* Controlling the desire to spend money for the unbudgeted posts, so as to suppress the family’s financial extravagance
Budget Families need to be compiled when someone has started to live independently, or in the language of accounting has begun a separate entity, such as early marriage. Therefore has decided to start the independence, the budget plan, aka budget needs to be done, so do not colaps in the future. In principle, we can share the financial details of our traffic in 2 types of traffic: the income and expenditure. For personal or family who still have the income transfers from other parties, such as still get the transfer from the parent can bring the transfer category. The use of financial traffic to adjust the requirements category is relevant.
Here are the steps in preparing the budget, simple Family:
Step 1: Maintain our salary or income. When we and our partners to work or have a business, a husband-wife family income revenue. Rather than salary income (recurring), as a side business, buying and selling property, stock dividends, interest deposits, the results of social meetings, and others are also not convinced the family income.
Step 2: Create the data from all the monthly expenses ranging from household expenditure in the form of basic needs for family needs and entertainment needs.
Shopping posts
We can allocate the money in the post-expenditure.
The first to pay expenses leabilities (debt) in the form of credit cards, mortgages, car payments, and others. The size of this post is usually no more than 30 percent of revenues.
The second heading is the saving and investment. Savings and investment should be allocated at the beginning. Discard the habit of saving when there is surplus income after expenses. Postal savings and investments of at least 10 percent of family income.
The third heading is for insurance premiums. Insurance is required families to minimize financial risk in the future that could happen. The total number of families insurance insurance premiums must be taken no more than 10 percent of it to remember the things that concerns not always happen.
Pos fourth, giving some money for emergency fund. Emergency fund is important so that we can have the assurance that the family will be able to live a decent life as a crisis.
Pos fourth, last, the family living expenses. This heading is allocated to spend the rest three are heading. Included in the fourth post is a family shopping and personal shopping and couples, transport, domestic, electric bills, telephone and water, clothing, domestic service, entertainment and children’s toys.
Stage 3: After collecting the amount of income and expenses, do penyelisihan. If there’s still enough rest, means that our family finances healthy. Beware if the financial showing a negative balance.
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