Most housewives strive to save the family budget, real advice , The information below will help you plan your expenses. After all, some families, receiving even a modest salary, have the opportunity to eat normally, dress and even save for vacations, while others, earning good money, cannot get rid of debts and a constant lack of money. This happens because not everyone knows how to save and properly plan their budget. Today we will share tips and rules that will help you save money the right way. The main thing is that one person in the family should be involved in the distribution of cash flows, otherwise unforeseen expenses cannot be avoided. Spontaneous and ill-considered acquisitions can destroy any budget, regardless of its size, and money will be constantly lacking.

Saving does not mean at all that you will have to deny yourself everything and live in poverty in order to collect a certain amount for a global purchase. To save means to learn how to manage the family budget wisely in order to meet all your needs and at the same time save money for vacations.

Rule #1

Record your income and expenses so you don't get confused by these numbers and know how much money you can spend. This is the only way to start saving!

Rule #2

Forget about borrowing money and loans. Any financier is sure that a loan is justified only in the case of purchasing a product that will last longer than you will pay for its cost. Therefore, taking a loan for a vacation or a wedding is completely unjustified. But buying a car on credit, on which you plan to earn money or borrow money from the bank to expand your business, will be the right decision.

In any other case, a loan means that you are simply wasting your money and if you cannot save up for something today, then who said that it will work out tomorrow? You need to radically reconsider the style of your life!

Rule #3

Put your money in a piggy bank. If you don’t know how to save the family budget, first of all make it a rule to at least 10% of your monthly income save. This amount is not so large and will not shake the family budget, but when it increases, it will be possible to purchase a valuable item or save them for a long-awaited family vacation.

We also recommend postponing unplanned cash receipts, which come in the form of a gift, a repaid debt, a bonus, etc. Do not immediately run to waste them. Organize "envelopes" at home in which you can gradually save money for the holidays or large purchases. In order not to spend a large amount from your salary on a major purchase, it is better to prepare for this in advance. Also buy all gifts for the holidays in advance, so you can save up the right amount, and do not rush to the first offer, but look and choose a worthwhile gift.

Rule #4

Refrain from spontaneous purchases. If you see an item in the store that you think you absolutely need, give yourself time to consider the importance of the purchase, at least for the rest of the day. And only after you have "slept" with this idea and have not changed your mind, you can think about acquiring it. It happens that in the morning the importance of the acquisition no longer seems such a necessity. And then the purchase of extra lipsticks, perfumes, cheap things, equipment that is sold at large "discounts" can be avoided. After all, every person has items at home that, after purchase, did not bring joy to their owner for a short time, after which they move to gather dust in cabinets and pantries. The purchase must be planned and of high quality, only in this case it can last a long time and bring joy to the owner.

Rule #5

Shopping only on the list and weekday. Thrifty housewives have long used such advice as compiling a menu for the week ahead, which allows you to plan the purchase of products for its preparation and at the same time set aside money. If there is a pantry at home, then long-term storage products such as onions, potatoes, sugar, pasta, etc. it is better to buy in bulk - it is always much cheaper.

When it becomes necessary to buy bread, milk or some other single perishable products, it is better to do this in small closed shops that are in every yard. If you don’t know how to learn how to save the family budget, then just try to make only planned purchases.

Rule #6

Distribution of products by items. For additional savings, when compiling a list of products for the week, it is recommended to divide it into items for meat, vegetables, sweets, bakery products, etc. Don't forget to include "bad" on the list. Harmful foods can be added here, such as salted fish, chips, crackers, etc. You need to study the list well before going to the store and we are sure that there are many products that you can refuse altogether or replace them with less harmful and cheaper ones. This problem exists in almost every family and the budget suffers greatly from it.

Rule #7

Refuse to buy small things. Please note that one large-scale purchase does not affect the family budget as negatively as spending on all sorts of little things such as magazines, donuts from a vending machine, coffee in a cafeteria near work, sweets, chewing gum, etc. Such seemingly petty purchases very persistently make a huge gap in the family budget. We are learning to save the family budget, so all this can be abandoned, or at least more than half for sure. If you go for a walk, take water with you so that you do not waste it again when thirsty. If you like to read, buy an e-book and upload your favorite works to it, buying this gadget will pay off very quickly and will be more profitable than regular purchase of new books. Try to save on all sorts of little things, and see how much less money you will spend monthly!

Rule #8

Try to eat at home. Give up the habit of having a snack in a cafe, having breakfast on the way to work with store-bought donuts and coffee. Understand that one trip to pizza will not greatly affect the budget, but regular lunches in a cafe at the end of the month will result in a decent amount. There are times when you cannot refuse to go to a canteen or cafe (due to working moments), but then this waste item should be included in the family budget.

Rule #9

Refuse to buy cheap junk, buy only expensive and high-quality things and items. Accept the fact that when buying cheap stuff, which will very quickly fail and lose its presentation, you will have to spend more and more on acquiring a new one. It is better to choose a quality item once, which, although it costs more, will serve its owner for many years. The phrase "the miser pays twice" still has not lost its relevance!

Shoes and clothes should be of high quality, then you won’t have to spend money on shopping every month, as well as on the repair of low-quality goods. Train yourself to buy good chemicals, cosmetics, clothes, etc. and you will be surprised at what you can save the family budget on.

Rule #10

Use only concentrated detergents, conditioners and washing gels (powders). All this household chemicals are spent several times longer and do not require constant spending on its monthly purchase, but it is not cheap. Many, seeing the high price of such products, prefer cheaper ones, but if everything is well calculated, taking into account the fact that the concentrate must be diluted during use or applied in very small quantities, then the savings will become obvious.

Recording all purchases is important

To plan your family's budget expenses, buy a special thick notebook or notepad in which you must write down all the items you need to spend on a monthly basis. It is also worth writing down all (even minimal) purchases there in order to analyze and understand where the hard-earned money went.

Even if at first the procedure of constant control will be difficult and even somewhat unpleasant, then over time you will get used to it and understand how necessary it is, because you will know what every penny of your family budget is spent on. We assure you that the monthly expenses with this scheme will be significantly reduced. Such records will immediately reveal how much money is spent on completely unnecessary and superfluous things. Such ways to save the family budget in a week will give tangible results and can pleasantly surprise you! The main thing is to write down every penny spent in a notebook and then you will save yourself from another unnecessary purchase just because you will be too lazy to take out your notebook again to write down the next purchase. Such a solution will allow you to learn how to filter necessary and unnecessary purchases, which will definitely have a good effect on the family budget. In a month, having studied your notes, you will not only be surprised, but shocked!

A few important points

exclude visiting stores without a previously prepared list;

refuse to purchase goods in installments or credit;

do not make large purchases on payday, because psychologists have proven that on this day a person falls into some euphoria and thinks that a certain expense will not hit the budget hard, but in the end everything turns out to be the other way around;

use only cash to pay for the purchase - this will allow you to additionally control the amount spent, because it is more difficult to spend cash and you can see how much is left;

make it a rule not to buy food on an empty stomach, it is noted that in this state one buys much more than necessary;

try not to turn on the light unnecessarily, do not throw half-eaten food in the trash;

decide where to invest the accumulated amount, only in this case it will be possible to avoid its thoughtless waste.

If you do not know how to save the family budget, the tips presented above will be very helpful.

Money management skills

There are three main skills that will help manage the family budget, such as:

extra income skill. Try to find additional sources of income and complain less about low wages;

procrastination skill. Keep track in parallel so that the waste does not exceed the amount of income;

The easiest way to learn how to save a family budget is to follow all the rules that we talked about in this article, but at the same time try not to forget about self-development, health, and taking care of yourself and your family. There are a huge number of examples when pensioners who live on their small pension, at the same time manage to save money and help their children.

Use the little secrets that you learned from this article and it seems that you don’t have as little money as you think and have the opportunity to save for buying a new phone or summer vacation during your vacation. Now you know how to save the family budget, real tips used by a huge number of housewives around the world work flawlessly. The main thing is to stick to the established plan, keep accurate records of waste and everything will work out! We strongly recommend reading these materials - "tips on how to save money" and "10 secrets to help save money."

We all know that there is no such thing as too much money. But it is their quantity that affects the quality of life. That is, the more money a person has, the more comfortable conditions he will exist. The lack of finance is explained not only by the difference in salaries received by people. Money needs to be managed. If a person does not know how to do this, then with the growth of income, the list of his expenses will grow proportionally. That is, the problem of lack of money will not go anywhere. Is there a way out of this situation? Of course! In this article, we will talk about how to save money in the family. So let's get started.

Control

How to save money? First, learn how to count them correctly. And this does not mean at all a skill acquired in childhood. This refers to the ability to maintain a family budget, taking into account existing income and expenses incurred. Without their tight control, money will constantly "leak".

Keeping a daily record of your finances does not take much time. It is enough to enter all daily income and expenses in a notebook or save them on a computer in special program. Collecting such data within a couple of months will allow you to analyze the family budget and find “weak” places in it.

The most difficult thing to account for is small expenses, as they are instantly forgotten. Do not ignore them and write in the report in the first place. By the end of the month, you will be convinced that unnecessary trifles “ate” from 10 to 30% of the budget. To take the financial flow under your control, you need a program to correct them. It consists of only three items:

• Reducing costs.
• Increase in income.
• Creation of additional sources of income.

How to save money on groceries?

• Eat exclusively at home. Refrain from going to cafeterias, bars, canteens and restaurants.
• Review purchases. Go to the supermarkets no more than once a week, buying all the necessary groceries before the next trip.
• You can save money on the purchase of semi-finished and ready meals. After all, at a high cost, they are not of good quality. Therefore, either limit their use, or refuse them altogether.
• To avoid impulsive shopping, make a detailed list of necessary products before going to the store. Sort them at home immediately and use the perishable ones first.

Saving money on prepared meals

Let's clarify right away that the control of this type of family expenses does not imply living from hand to mouth. Therefore, do not go to extremes. In solving this problem, most of the responsibility lies with the woman. To keep the family budget stable, she will need to keep financial records wisely.

First of all, you need to check if there are enough plastic boxes for storing food at home. If there are not enough of them, then it is better to spend extra money on their acquisition. This will save you a lot of money in the future. Pots, cast irons and pans with second and first courses in them should not be refrigerated.

How to save money in the kitchen? Store food properly. Food should be in plastic boxes in one or two servings. If you do not plan to eat food in the near future, then place them in the refrigerator. Take them out only when there is not enough time for cooking. Forks, knives and spoons used during cooking must be thoroughly washed, otherwise food, even in the freezer, will quickly turn sour. Perishable snacks and salads should be prepared only in the required quantities.

Fruits and vegetables store much better in plastic boxes. But before you put them there, you need to wash them thoroughly and let them dry. Greens will keep well in the refrigerator if you put it in a glass of water or wrap it in a kitchen towel.

If vegetables and herbs are slightly wilted and are not suitable for making salads, then they can be finely chopped or grated, and then put in the freezer. Over time, they will come in handy for seasoning other dishes.

You can also save money when arranging food on plates. When setting the table, offer guests only those portions that they can eat. It's better to add a supplement later than to throw half-eaten food in the trash can.

Savings on clothes

Our wardrobe comes second on the list of expenses. Just like with groceries, there are certain ways to save money on clothing. Let's talk about them below.

First of all, it is worth noting that there are three categories of wardrobe items that you do not need to save on: outerwear, shoes and bags. In most cases, the high cost of these things indicates good quality. By buying them, you will save significant amounts, as the coat will not tear at the seams, the shoes will last several seasons, and the handles of the bag will not come off. That is, you do not have to spend money on replacing them.

As for other things, try to buy them, bypassing stores with a large markup. Pay attention to second hand shops. Sometimes you can find quality branded items at a low price.

Savings on utility bills

It would seem impossible to cut costs under this item. However, this is not the case at all! Saving money on utility bills is possible.

First, learn how to properly operate heating appliances in the winter. They should not be blocked by furniture and hung with curtains. For efficient heat dissipation, place a large piece of foil behind the battery. In this case, it will not heat the wall, but enter the room. Do not open the windows for a long time, because along with the heat, your finances will “leave” the street.

How to save money on water? Install counters. Just take care to eliminate all leaks in the apartment, do not leave the faucet open unnecessarily (even while brushing your teeth). Take a shower instead of a bath. Wash dishes in a sink filled with water and then rinse.

To save energy, unplug charging device and unused household appliances. And, of course, do not forget to turn off the light where it is not needed.

Summer expenses

Studies have confirmed that people are much more willing to spend money in the warm season. The reason for everything is weather. After all, few people want to go to a stuffy apartment after a working day. It is better to meet with friends, and the most suitable place for gatherings is a cafe. There for several evenings you can leave a solid amount. To avoid this, try limiting yourself to ordering drinks. And you can have dinner at home.

It is very difficult to save money in a family with children. During the summer holidays, beloved children are left to their own devices. For parents, there are two options: organize recreational trips for them (to the zoo, cinema, etc.) or send them to the camp. Both require significant financial support. A less expensive option is to organize home leisure activities (watching cartoons, reading books together, playing computer games, etc.).

Savings on transport and fitness

If your work is close to home, then give up public or private transport and go there on your own two feet. Hiking is a great exercise. So they will not only save money, but also replace your visit to the fitness room.

Vacation Savings

Few of us have not dreamed of going on holiday abroad. But, unfortunately, many simply do not know how to save money on vacation when traveling to another country. It's easy to do. Instead of buying an expensive package from a travel agency, design your own itinerary.

You can find many different reviews about hotels, resorts, etc. It will not be a problem to contact the administration of any hotel in the world on your own. And the same saved money can be spent on presents and souvenirs for relatives and friends. So don't be lazy and take some time to gather information and plan.

Accumulation process

Now you know the ways to save money in the family. Remember that in order to enjoy life, you do not need to spend all the money you earn. Some of them need to be postponed. This will provide a kind of "safety cushion". It will come in handy in case of unexpected expenses. And then you don’t have to “break” your financial plans.

One of the options for accumulating a certain amount of money is an investment deposit. To replenish it, it will be enough to save only 10% of your monthly income. It has been repeatedly proven in practice that the absence of this amount will not cause any discomfort in a person. In general, save, save and grow rich!

Money, as you know, does not happen much. And the quality of our life depends on the number of treasured banknotes. In other words, the more funds we have, the more comfortable conditions we can provide ourselves. The problem of lack of funds is not only in the difference in income received by people. Money must be managed. For someone who cannot do this, an increase in income entails only an absolutely proportional expansion of the list of expenses. These people will constantly experience the problem of lack of money. What follows from this? Increasing income will not solve the existing problem. What to do? How to learn effective cash flow management so that income finally exceeds expenses? This problem is quite difficult to solve, but it is possible. Otherwise, you will never be able to save money.

Control of financial flows

How to save money? First of all, you need to learn how to count them correctly. No, not literally. After all, we have learned this since childhood. We must learn to take into account all existing income and expenses incurred, in other words, to keep a family budget.

How to save money if you do not control your financial flows? Without taking into account the family budget, this cannot be done. All income and expenses must be strictly controlled. This will make it possible to plan ways to achieve the set economic goals. This method will help with the development of your own business.

How to learn to save money? First of all, you will need to keep a daily record of personal finances. It won't take much time for this. All daily income and expenses should be entered in a notebook or saved in a special program on a computer. Such data will allow us to analyze the family budget after two or three months.

The biggest difficulty is accounting for small expenses, because they are quickly forgotten. Therefore, do not ignore the daily accounting of financial flows. At the end of the month, you can be sure that ten to thirty percent is spent on unnecessary little things. This analysis will allow the development of an income and expenditure adjustment program. What items can it include? How to start saving? Typically, such a program includes the following:

- increase in income;

— cost reduction;

— increase in the number of sources of income.

Reduced food costs

How to learn to save money? First of all, you will need to establish the most necessary expenses for the family. Of course, this includes food shopping. It is possible to reduce the cost of their acquisition.

Switch to homemade food. To do this, you will need to give up going to bars, restaurants, and cafeterias to the maximum. How else can you save money on groceries? At the second stage, an audit of all purchases should be made. Going to the supermarket for groceries should be no more than once or twice a week, buying everything you need before the next trip.

What else can you save on? On the purchase of ready meals and semi-finished products. After all, these products have a high cost, but they cannot boast of good quality. Before going to the store, it is advisable to make a list of products. This will allow you to get everything you need and resist the temptation to buy something you don't need. At home, products should be sorted immediately. Perishable items should be consumed first, and those that are subject to long-term storage should be set aside.

Savings on prepared meals

It is worth immediately clarifying that control over this type of expenditure does not imply living from hand to mouth. This is just one of the answers to the question: "How to save money in the family?" A great responsibility in solving this problem lies with the woman. She will need to manage the household wisely, maintaining the stability of the family budget.

First of all, it is worth checking whether there are enough plastic boxes in the house in which food can be stored. If there are not enough of them, then it is worth spending a certain amount on their purchase, in order to save significant money on food later. Frying pans, cast irons and pots with the first and second courses in them should not be put in the refrigerator.

How to save money in the kitchen? Properly store food. Food should be laid out in one or two portions in plastic boxes. If the products will not be eaten in the near future, then it is better to place them in the freezer. You can take them out of there when there is simply not enough time for cooking. Spoons and forks used during cooking should be washed after each sample of food. Otherwise, food, even put in the refrigerator, will turn sour very quickly. Perishable snacks and salads should only be prepared in the required quantities.

To save on products means not to let them spoil. And what about fruits and vegetables? They can be stored much longer if they are allowed to dry and arranged in plastic boxes. Washed greens will keep well in the refrigerator if placed in a glass of water or wrapped in a kitchen towel.

As for bananas, they do not need to be put in the refrigerator. Overripe fruits can be passed through a blender. Delicious banana puree will keep for 3-4 days.

In the event that greens and vegetables have had time to wilt a little and become unsuitable for salad, they should be grated or finely chopped, and then put in the freezer. Later they will come in handy when preparing other dishes. Fruit from the freezer is used for cooking compotes or as a filling for a pie.

We also learn how to save money when arranging food on plates. When laying the table, a person should be offered only the portion that he can eat. It's better to put in a supplement than throw half-eaten food in the trash can.

Savings on clothes

There are a few simple tips to keep your wallet thin. Some of them relate to the items of our wardrobe. How to save on clothes, because they are second on the list of expenses after groceries?

First of all, we note that there are things that are worth buying for a high price. These are shoes, bags and outerwear. The impressive cost of these wardrobe items, as a rule, speaks of their good quality. By purchasing such things, you still save money, because the shoes will not fall apart in one season, the handles of the bag will not come off, and the coat will not burst at the seams. Thus, you do not have to pay for their replacement.

How to save money? It will be right to try to purchase goods, bypassing stores that make a large trade margin on various things. First of all, attention should be paid to second-hand shops. Often they sell branded items that are of good quality and low price. Often the goods are in good condition or new, not yet cut tags. You can also buy clothes on an ad on the Internet. It is sold by people who have purchased a thing, but it did not suit them. Low prices for such goods is an opportunity to cover your loss at least a little.

Cheaply sell things and online stores. Another option to save money on buying clothes is to buy together. To do this, a group of people must gather to order a wholesale batch from the manufacturer. There are sites on the net where you can join such a community of buyers.

How to save money if you still decide to buy things in regular stores? Sales will serve to save the thickness of the wallet. Winter wardrobe items are usually sold at lower prices at the end of the season or early spring. Light items on sale can be found at the end of summer and at the very beginning of autumn.

If you are going abroad, then it is worth allocating a certain amount of money in advance for the purchase of things. They are much cheaper abroad.

When shopping for clothes, do not forget to take discount cards with you. They can be borrowed from acquaintances or friends.

If you are tired of your wardrobe, and there is no money to buy new clothes, then inexpensive accessories will add variety to things.

Savings on utilities

Payment of utility bills is an important item in the family budget. It would seem that it is impossible to save on it. However, it is not! How to save money on rent? First of all, you will need to install multi-tariff individual electricity meters. This will allow you to pay only for the resources you use. Savings when using such a meter are also possible due to the existing difference in electricity tariffs at different times of the day. The reduction in payments in this case can be impressive. To save on electricity bills, you should disconnect unused household appliances and chargers from the network, as well as turn off the lights where they are not needed.

Heating appliances in winter must be properly operated. They should not be hung with curtains and blocked with furniture. It is recommended to place a large piece of foil behind the battery located in the living room. This will allow efficient use of heat. It will flow into the room, and not heat the wall. For a short period of time, windows should open in winter. After all, it is warm, and therefore, your money will leave the house.

Installed meters will allow you to pay smaller amounts for water. But first, all existing leaks must be eliminated in the apartment. Don't leave the faucet open unnecessarily. It must be closed even while brushing your teeth. Taking a shower instead of a bath is more beneficial. Dishes should be washed in a sink filled with water and then rinsed.

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How to save a family budget: family budget table

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Many people sometimes have a question, why do some people spend their holidays in the south, while others can only afford barbecue in the country? Or why, with the same income, one buys a second car, and the other rides a bus?

It's not about rich relatives or random winnings in the lottery. Most likely, the reason is the ability to count the money earned and spend it. How to save the family budget?

1. Always plan income and expenses. Knowing the exact numbers will help you save money.
2. Refuse loans. An exception may be only loans for work, for example, for a car or for business development.
3. Get a piggy bank. This is not about a "pig" for collecting small things, but about the fact that you need to learn how to set aside 10% of your income for unforeseen expenses. This will help save a decent amount for the purchase of something large.
4. Buy gifts in advance. This is good advice for those who are used to going to visit at the last moment. Often you have to take the first thing that caught your eye, as there is absolutely no time left to choose.
5. Don't give in to emotions. Before buying something very important, you should think carefully - is it really necessary ?!
6. Divide all expenses into groups. Here we mean money for “food”, “transport”, “household chemicals”, “cosmetic products”, “utility payments”, “communication costs”, and so on. After that, you can analyze and correct the resulting numbers.
7. Refuse unnecessary trifles. Snacks on the go, magazines on the road, water from vending machines - all this steals a lot of money from the family budget.
8. Prepare your own lunch for work. As a rule, homemade food is cheaper than in "public catering". If there is no way to eat at home, then it is necessary to include these expenses in the family budget.
9. Always buy quality items. You should not save on good clothes, shoes or electronics and household appliances. Most often, the price is a guarantee that the item will last longer.
10. Use concentrated products in the household. Despite their price, concentrates of washing powders, conditioners and other various products last much longer and thus allow you to save on purchases.

By following these rules, you can save enough money to buy something expensive or to travel to hot countries, for example.

How to control the family budget using a spreadsheet?

How to manage a family budget in order to save money? The first thing that comes to mind when you need to calculate something is to take a notebook with a pen. Of course, you can draw the table yourself, but it will be more convenient to use Microsoft services and arrange your expenses in Excel.

How to make a family budget? First you need to clearly decide for yourself - why save.

The main goal, calculated over a period of up to 5 years (medium term), is to reduce non-essential expenses in order to purchase something significant, such as a laptop or a professional camera.

The goal can also be short-term - to pay off some small debts, or long-term - paying off a mortgage or buying a home.

The next step is to record all family income. This includes wages, alimony, allowances, pensions, and others.

You should also enter in the table all the estimated costs - fixed and variable. Here it is necessary to take into account the wishes of all family members so that there are no misunderstandings. An example of such a table (the data below does not need to be considered as a standard):

Maintaining such tables will help identify completely unnecessary expenses and, accordingly, save the family budget.

How to plan a family budget for a month?

So that at the end of the month there is no need to borrow money from neighbors or friends, you need to follow simple but very important rules.

1 rule. Save some of your income!

The very first thing to do when the salary arrived is to set aside at least 10% and not spend it under any pretext. This is family capital, which will only grow every month.

2 rule. Learn to understand the difference between important and non-essential expenses.

To do this, make a list of fixed expenses (rent, television, Internet, communications, etc.) and some variables (food, gasoline, household chemicals and beauty products, etc.). All this is placed in order of importance - from the most important to those that can be dispensed with.

3 rule. Be sure to leave some amount for unforeseen (5-10%) and planned expenses.

This refers to purchases that are not fixed or variable, but are also required this month. An example would be buying gifts.

This "extra" money can be spent on expenses from the "want" category.

5 rule. Adhere to the policy of saving and optimizing costs.

This means that you need to get rid of unnecessary waste and learn how to buy goods for less money. For this, sales or promotions are perfect, as well as the rejection of bad habits - the main eaters of the family budget.

How to save the family budget on groceries?

Food takes the lion's share of all income. And price cuts are not expected in the near future. Therefore, it is worth learning how to save on this item of expenditure. You can start from the very first trip to the store.

1. A pre-compiled list of products will help save hard-earned money. Well, if the family has a developed menu for the week, then it will not be difficult to schedule the necessary purchases.
2. If you buy products for a week at once, you can avoid unplanned expenses.
3. You should not take children shopping, as this may entail additional expenses not on the list.
4. A good reason to save money is the rejection of semi-finished products. They cost more than self-cooked meals. By the way, this also applies to sliced ​​bread with sausage.
5. Looking at the bottom shelves in stores is a good habit. This is where the cheapest items are usually found.

The right “policy” in the kitchen will also help save money. Each season has its own dishes - for example, in winter you can give up a salad of fresh cucumbers and tomatoes in favor of cabbage and carrots.

And expensive trout can be replaced with no less tasty, but inexpensive, pink salmon. You can turn your attention to offal, they are as nutritious as meat, but much cheaper.

A good habit for the hostess can be the preparation of food for the future. For example, greens, if cut and frozen, will lie perfectly in this form for some time and will always be able to please with their freshness.

The same can be done with vegetables, berries and self-made dumplings and meatballs. It is always convenient to get a homemade semi-finished product and cook dinner from it.

Sometimes you can find budget recipes online that you can save for yourself and include in your weekly menu. This is another reason to browse thematic sites and please the household with new dishes. For the same purpose, culinary programs can also be suitable.

And the most important rule that will help not to throw money away is the proper storage of food in the refrigerator. Throw away spoiled food in a timely manner, put raw and cooked dishes in separate containers with lids, and also separate meat, vegetables and various sausages into special compartments of the refrigerator. These simple principles will help keep food longer and save the family budget.

How to save the family budget with the help of programs?

In an era of rapid development of various modern devices, you can choose a great assistant in managing your home budget in the form of a ready-made service - Drebedengi, Finance PM or another. It is more convenient if the selected option has not only a website, but also mobile app which is always at hand.

How can you save your family budget with a home computer? There are free programs, such as Home Finance 1.0.2.10 or DomFin, and paid ones - Family 11, AceMoney, MoneyTracker and others.

It is very convenient to keep accounts with their help, since you do not need to invent something and do a lot of manipulations. And if you have constant access to the Internet, everything becomes much easier if you use the mobile version of such an application.

If income is less than expenses, you need to learn how to control both. In order not to switch to crackers and water at the end of the month, it is worth making a habit of laying out your budget on the shelves and keeping a record of all purchases.

The family is a state in miniature: it has a head, an adviser, subsidized population”, income and expense items. Planning, distribution and sequestration ( familiar words?) of the family budget is an important task. How to save and save without going on a starvation ration? – Create a table of accounting for funds received by the family and revise the structure of payments.

• Money- one of the greatest tools created by man. They can buy freedom, experience, entertainment and everything that makes life more comfortable. But they can be squandered, spent who knows where, and senselessly squandered.

Legendary American actor of the early twentieth century Will Rogers said:

"Too many people spend money on things they don't need to impress people they don't like."

Have your income been less than your expenses in the last few months? Yes? Then you are not alone, but in a big company. The problem is that this is not a very good company. Debts, loans, penalties and late payments are growing like a snowball ... it's time to jump out of a sinking boat!

Why you need to keep a family budget

“Money is just a tool. They will take you where you want to go, but they will not replace you as a driver,” Russian-born writer who emigrated to the States, Ayn Rand, learned firsthand the need to plan and budget her own finances.

Unconvincing? Here three good reasons Start planning your family budget

1. The calculation of the family budget will help you figure out long-term goals and work in a given direction. If you drift aimlessly, throwing money at every attractive item, how can you save money and take a long-awaited vacation, buy a car or make a down payment on a mortgage?
2. Table of family budget expenses sheds light on spontaneous spending and forces to reconsider shopping habits. Do you really need 50 pairs of black high heels? Family budget planning forces you to prioritize and refocus on achieving your goals.
3. Illness, divorce or job loss can lead to a serious financial crisis. Emergencies happen at the most inopportune times. That is why everyone needs reserve fund. The structure of the family budget necessarily includes the column " saving"- a financial pillow that will help you stay afloat for three to six months.

How to allocate the family budget

A few rules of thumb for planning a family budget, which we will give here, can serve as a rough guide for making decisions. Everyone's situation is different and constantly changing, but the basic principles are a good starting point.

50/20/30 rule

Elizabeth and Amelia Warren, authors of the book All Your Worth: The Ultimate Lifetime Money Plan" (in translation " All Your Wealth: The Ultimate Money Plan for Life”) describe a simple yet effective way to budget.

Instead of breaking down household spending into 20 different categories, they recommend dividing the budget structure into three main components:

• 50% of income must cover basic expenses such as housing, taxes and groceries;
• 30% - optional expenses: entertainment, going to a cafe, cinema, etc.;
• 20% goes to pay off loans and debts, and is also set aside as a reserve.

80/20 rule

Step 2: Determine the income and expenses of the family budget

It's time to look at the structure of the family budget. Start by compiling a list of all sources of income: wages, alimony, pensions, part-time jobs, and other options for getting money into the family.

Expenses include everything you spend money on.

Divide spending into fixed and variable payments. Fill in the fields for variable and fixed costs in the table for maintaining a family budget, based on your own experience. detailed instructions on working with the excel file in the next chapter.

The budget allocation should take into account the size of the family, living conditions and desires of all members of the "cell of society". A short list of categories is already included in the sample table. Consider the categories of expenses that will be needed to further refine the structure.

Income structure

As a rule, the income column includes:

• the salary of the head of the family (marked "husband");
• earnings of the chief adviser ("wife");
• interest on deposits;
• pension;
• social benefits;
• part-time jobs (private lessons, for example).

Cost column

Expenses are divided into fixed, that is, unchanged: fixed tax payments; home, car and health insurance; fixed amounts for internet and TV. This also includes those 10 - 20% that need to be set aside for unforeseen cases and a "rainy day".

Variable cost graph:

• products;
• medical service;
• spending on a car
• clothes;
• payment for gas, electricity, water;
• personal expenses of the spouses (recorded and planned separately);
• seasonal spending on gifts;
• contributions to school and kindergarten;
• entertainment;
• expenses for children.

Depending on your desire, you can supplement, concretize the list or reduce it by enlarging and combining expense items.

Step 3: Track your spending throughout the month

It is unlikely that it will be possible to draw up a table of the family budget now, it is necessary to find out where and in what proportions the money goes. This will take one to two months. In the finished excel spreadsheet, which you can download for free, start making expenses, gradually adjusting the categories " for yourself».

Below you will find detailed explanations for this document, since this excel includes several interrelated tables at once.

• The purpose of this step is to get a clear idea of ​​your financial situation, visualize the structure of expenses and, in the next step, adjust the budget.

Step 4: Separate Needs from Wants

When people start recording spending, they find that a lot of money " flies away» on completely unnecessary things. Impulse, unplanned expenses seriously hit the pocket if the level of income is not so high that a couple - another thousand pass unnoticed.

Refuse to buy until you are sure that the item is absolutely necessary for you. Wait a few weeks. If it turns out that you really can't live without the item you want, then it really is a necessary expense.

A little advice: put aside credit and debit cards. Use cash to learn how to save. It is psychologically easier to part with virtual amounts than to count papers.

How to plan a family budget in a table

Now you know what is really happening with your money.

Look at the categories of expenses that you want to cut and make your own plan using a free excel spreadsheet.

Many people don't like the word " budget”, because they believe that these are restrictions, deprivations and lack of entertainment. Relax, an individual spending plan will allow you to live within your means, avoid stress and sleep better, and not think about how to get out of debt.

“An annual income of £20 and an annual expenditure of £19.06 lead to happiness. An income of 20 pounds and an expense of 20.6 lead to suffering, ”the ingenious note of Charles Dickens reveals the basic law of planning.

Enter the finished family budget in the table

You have set goals, determined income and expenses, decided how much you will save each month for emergencies andfigured out the difference between needs and wants. Take another look at the budget sheet in the table and fill in the empty columns.

The budget is not static, fixed figures once and for all. You can always correct it if necessary. For example, you planned to spend 15 thousand monthly on groceries, but after a couple of months you noticed that you spend only 14 thousand. Make additions to the table - redirect the saved amount to the “savings” column.

How to budget with irregular income

Not everyone has a permanent job with regular salary payments. This does not mean that you cannot create a budget; but that means you have to plan in more detail.

• One strategy is to calculate the average income over the past few years and focus on this figure.
• Second way- determine for yourself a stable salary from your own income - what you will live on, and save the surplus to the insurance account. In lean months, the account balance will decrease exactly by the missing amount. But your "salary" will remain unchanged.
• Third planning option- maintain two budget tables in parallel: for " good" and " bad» months. It is somewhat more difficult, but nothing is impossible. The danger that lies in wait for you along the way: people spend and take out loans, expecting income from the best months. If the "black streak" drags on a little, the credit funnel will eat up both current and future income.

Below you will find solutions on how to distribute the family budget according to the table.

After we have decided on the main goals, let's try to allocate the family budget for a month, indicate current income and expenses in the table in order to properly manage the funds, so that we can save for the main goals without missing out on current and everyday needs.

Open the second sheet Budget” and fill in the fields of monthly income, annual income, and the program will calculate the results itself, for example:

In columns " variable costs" and " fixed costs» enter the estimated figures. Add new items where it says " other", in place of unnecessary names, enter your own:

Now go to the tab of the month from which you decided to start saving and planning family expenses. On the left you will find columns in which you need to fix the date of purchase, select a category from the drop-down list and make a note.

• Additional notes are very convenient to refresh your memory if necessary and clarify what exactly the money was spent on.

The data that is entered in the table for example, just delete and write your own:

To account for expenses and income by months, we suggest looking at the table on the third sheet in our Excel " This year“, this table is automatically populated based on your expenses and income, summarizes and gives you an idea of ​​your progress:

And on the right there will be a separate table that will automatically summarize all expenses for the year:

Nothing complicated. Even if you have never tried to master working with Excel spreadsheets, highlighting the desired cell and entering numbers is all that is required.

Poll: How old are you?

Not the rich one who earns a lot, but the one who knows how to manage money economically. Truth as old as time. No matter how much a person earns, it will always be not enough for him, because along with his capabilities, demands also grow. Average citizens live from paycheck to paycheck, trying to squeeze into a limited budget and cover all current expenses. Many do not even know how to save the family budget. Those who do not reach the middle-income caste also survive as best they can, saving and infringing on themselves from all sides. But even millionaires will quickly say goodbye to their savings and luxurious life if they squander money and make rash and impulsive purchases.

Even with a small salary, you can significantly save the family budget and save money for big purchases or repairs.

In the economy, there are a lot of rules and approaches that are enough not only for mandatory payments, but also for clothes, shoes, entertainment, self-development, and so on. It is foolish to believe that living economically means denying yourself everything. This is not entirely true. To be convinced of this, one interesting experiment can be carried out, which does not require any special expenditure of time and labor. To do this, you need to keep a shopping diary for several months (three or four will be enough), where you must record all your expenses without exception, up to a box of matches or a pack of seeds. At the end of this period, you will need to review your expenses and review your records. With a 100% guarantee, it can be argued that the results will greatly surprise and make you think, since more than 50% of purchases were made automatically, impulsively, thoughtlessly and did not bring any benefit.

On average, each family spends about 75-80% of the total monthly income on food and other trifles per month, half of which you can not buy, while not infringing on yourself and your family members in any way.

One has only to imagine that more than half of the money that was previously spent in grocery stores will remain in the wallet and can be spent with greater benefit. For example, save up and make repairs in the kitchen, buy a new car or a summer house, or go on hot trips abroad to relax.

How to save the family budget if there is barely enough wages to pay off running costs? On the Internet, you can find many recipes for savings, but only real advice that has been tested by time and in practice works. Of the numerous options, a few really worthwhile ones should be highlighted:

• method "four envelopes";
• the principle of "6 piggy banks";
• investment method;
• target method.

Method "4 envelopes"

The “Four Envelopes” method will help you keep a family budget and learn financial discipline. For this, simple white envelopes will do, which you can make yourself from office paper or buy ready-made ones. Each envelope must be signed. The first of them is 10% of the total family income. We sign this envelope as “Piggy bank” or “Deposit”. You can set aside 10% of your earnings every month in this envelope, but it is better if on the last day of the month (not necessarily a calendar month, you can take the date of receipt of wages) this envelope will be empty. It does not mean to spend the deferred funds, but, for example, put them in a bank account. This will save you from impulsive financial spending and other temptations.

Envelope number 2. It can be signed as "Compulsory Expenses". To calculate the amount that needs to be set aside, you need to take a calculator and sum up utility bills, telephone, Internet, kindergarten, school, loans and others. The amount received must be counted and put into this envelope. Ideally, this amount should not exceed 40% of the total family income. Otherwise, you need to find out the cause of the excess and gradually eliminate it.

Envelope number 3 is called "Vacation". It doesn't have to be vacation money. They can be spent on tickets to the cinema or for a romantic dinner at a restaurant. In other words, these are funds for entertainment, but if they are not spent, then quite a decent amount will be collected in a year, which can be spent on vacation. It is worth saving 3-5% of the total family income in this envelope.

The fourth envelope contains the remainder of 45-50% of the salary, which can in turn be divided into four equal amounts - one for each week of the month.

Thus, you can save the family budget easily and simply.

The principle of "6 piggy banks"

It is not necessary to have 6 piggy banks to keep a budget. This is a method of conditional division of total income into 6 parts in the ratio 10x10x55x10x10x5.

Table.Family economy. Method "Six Piggy Banks"

The purpose of the piggy bank	Part in % of total household income
For a "rainy day" or emergency reserve (NZ)	10
For entertainment and leisure or vacation	10
For training and development	10
For large purchases (car, real estate, jewelry, furs, household appliances, etc.)	10
Current and obligatory expenses (utility payments, kindergarten, school, internet, telephone, loans)	55
For charity	5

This approach shows how to properly maintain a family budget, but it only works in the absence of loans and other debt obligations.

Investment method

He will teach you how to save the family budget, the method of investment or investments. The essence of the method is to subtract the amount from earnings mandatory expenses and payments, and all that is left is on deposit. Money makes money. According to this principle, only people with great willpower and strong motivation can manage a family budget. The book by Robert Kiyosaki will be an ideal guide for you. "Rich dad, poor dad". It is a bestseller in the world of financial literature.

target method

This way of saving is ideal for those who have, but they are not able to constantly deny themselves something, limiting their spending, and even more so, keep a diary of income and expenses, calculate and analyze data. It is easier for them to immediately set aside the required amount, and dispose of the rest at their discretion without any systematic approach, rules and restrictions. The essence of the method is as follows:

• you need to know the cost of the planned purchase;
• add another 10-15% to this amount (in case of a rise in price or inflation);
• set a specific date for achieving the goal;
• divide the amount by the number of months remaining until that date;
• what happened, you need to debug every month.

There are many more ways to save the family budget, but the most effective ones that are suitable for more to all people with different views and attitudes towards money.

• visit the grocery store only once a week and strictly with a pre-compiled list of products;
• do not take the goods on credit, but if there is such a need, then look for an opportunity to take it in installments (so you will not have to pay crazy interest);
• do not buy anything on the day of pay, let the money “sleep” at home;
• pay in cash (so you can see how much is spent and how much is left);
• look for new sources of income, develop your financial horizons, for example, in the financial game from Robert Kiyosaki: "Cash flow". Interesting and helpful.
• give up harmful and useless expensive habits (smoking, drinking coffee from a machine, having lunch in a cafe, etc.).

You can save the family budget on food if you buy only the essentials, according to the list, and it is advisable to do this once a week and in bulk. You can also save on maintenance of your own vehicle, if you go to work by minibus or get on foot (in the case when the work is just a few stops from home).

Family budget - money earned by both spouses and allocated for housekeeping, purchase of household appliances, clothes, shoes, food, payment of utility bills.

All items of expenditure must be taken into account when distributing material resources so that family members have the opportunity to pay for vacations and leave money for daily (pocket) expenses. Using information on how to save the family budget, real advice from experts can create savings and secure the future of your family.

Saving money, controlling costs, savings are possible only if the work related to family budget planning is properly organized.

Each individual family has its own rules for the distribution of funds. Starting an independent life, many newlyweds understand that it is not enough to earn well in order to live easily and feel secure. Money needs to be spent and saved.

Real advice not only from a financier, but also from a psychologist helps to save the family budget.

It is he who will help you choose the type of budget that is most suitable for each individual family:

• personal (separate);
• general;
• mixed.

All of these forms require careful planning of costs, but they also have significant differences. All expenses in the family are planned depending on the needs of its members and the amount of cash receipts. The popularity of the joint family budget is based on the fact that today in most families the spouses have an equal income. This makes it easier to distribute income, expenditure items and form savings.

In such families, either both spouses are often earners and manage money together, or one of them earns, and the other distributes the money received.

This type of family budget has a number of advantages, including:

1. Absolute transparency. Each of the spouses knows exactly what the financial condition of the family is.
2. The decision on the possibility of making savings is taken jointly, which further unites the husband and wife.
3. With a joint budget, it is more convenient to set aside some amounts to create savings or make large purchases.

This type of budget also has its drawbacks. The most important is the dissatisfaction of the earner with the fact that those who do not bring earnings to the house have the opportunity to manage the money.

The next type of family budget is separate.

The best option for modern families in which both spouses have the same and very significant income or, upon entering into a legal marriage, entered into a prenuptial agreement indicating the features of conducting financial accounting and financial obligations.

The main advantages of such a budget can be called the financial independence of the spouses. There is no need to report on your expenses and acquisitions. But this type of family budget also has its drawbacks. Husband and wife in such families often argue over the cost of maintaining children or paying utility bills.

Such financial relationships are suitable only for those spouses who have the same monthly income.

The last type of family budget is mixed or shared. It is based on the creation of a so-called "common pot" or purse, into which each spouse contributes a predetermined share (percentage) of their income.

He can spend the rest of the money at his own discretion, and the funds that are in the wallet go to pay off debts, loans, utility bills and other needs of the whole family.

The advantage of such a budget is that the general family budget is formed immediately, but at the same time the personal budgets of each of the spouses are also created. The reason for disputes and disagreements is the amount that everyone must contribute to the family budget.

Such a budget is used by families in which the income of one of the spouses significantly exceeds the earnings of the other. This is a kind of transitional stage to a separate family budget.

Before choosing the type of family budget, it is necessary to calculate the existing income and future expenses, taking into account the ability of both spouses to contribute certain amounts of money to the family budget.

The chosen model should suit both husband and wife. This is the only way to avoid disputes and quarrels over money in the future. It is worth taking care that, with the chosen model, the family budget is balanced and does not turn from excess into unprofitable.

To achieve this goal, you can learn how to plan expenses and correctly distribute the funds coming into the family budget.

How to properly plan your family budget

Proper planning of expenses will help to save money that make up the family budget. First of all, it is necessary to take into account all items of income and expenses. Carry out precise and detailed the financial analysis a table will help, which will record the amounts of money spent on:

• urgent purchases;
• payment for utilities;
• payment of loans;
• Food.

To plan expenses, it is necessary to allocate a separate column in which unforeseen expenses are entered. To properly plan the family budget, you can start with a diary, where all the daily expenses of each family member will be recorded.

It is important to record all purchases made and accurately indicate the amount of money spent.

Records are kept for at least a week, then they summarize the preliminary results and continue to record financial transactions until the end of the month.

At the end of the month, it is better to make a list of expense items that need to be compared with family income in order to conclude that it is possible to save some amount and make initial savings.

After analyzing, you can make sure that the main costs are unplanned, minor purchases that could be abandoned. However, there are mandatory items of expenditure:

• Food;
• communal payments;
• telephone;
• the Internet;
• travel;
• payment for visiting preschool institutions;
• nutrition in educational institutions.

In addition, the costs associated with the maintenance of children are also planned. If the family has pets, then it is necessary to take into account the purchase of food and items for their maintenance.

All income and expenses (planned and not provided) are entered into a table where each action is recorded, indicating not only the amount spent on certain needs, but also the date when the funds were spent.

Home accounting can be done in a regular notebook without using a computer. It is enough to indicate in detail all the changes regarding the financial condition of the family.

Using detailed information about income and expenses, spouses are able to plan in advance all possible expenses and allocate the amount of money that will be left as a funded contribution.

How to save money in the family - ways

The real economy of the family budget is a science that all newlyweds have to comprehend.

When dividing or combining your income and choosing the type of family budget, you must take into account that psychologically this is not always easy. The one whose income is noticeably more modest is often very worried, especially when it comes to a young husband.

Therefore, for newlyweds who refused to sign a marriage contract, a shared (mixed) budget is preferable. To change this model in the future and move to a separate or joint budget, you need to learn how to spend money more economically by doing bargain shopping and paying close attention to electricity and water costs.

There are several most popular and effective ways to save money on the family budget:

1. Choice of stores and outlets where food, clothes, shoes will be purchased in the future. At this stage, it is important to decide in which shopping centers it is better (more profitable) to buy household appliances, electronics, and appliances. Before you make a purchase, you need to make a decision regarding the quality of the purchased items. With proper planning of the family budget, a certain amount is allocated monthly for the purchase of wardrobe items. It remains for the newlyweds to understand how high-quality the purchased items should be. Buy expensive things only if they will not be heavily exploited. For daily use, you can purchase cheap clothing items using the offers of distributors, visiting sales.
2. While shopping, do not stop at bright billboards that tell about significant discounts. It is better to make a list of necessary goods to be purchased in advance.
3. You can not take with you more money than planned. Otherwise, they will still be spent, and another amount will be recorded in the “unforeseen expenses” column.
4. Even if you bought less than planned, you should not go shopping more than once a day. You should always shop in the same stores. This makes it possible to enjoy discounts for regular customers.
5. To reduce the cost of utility bills, you need to meet the requirements of public utilities. Install control devices. These are meters that determine the consumption of water, gas, light. Such devices are installed for several years, which means that their purchase will be justified.
6. Simple changes will help save the family budget. If you install a shower cabin instead of a bathtub, then the water consumption per person will be almost halved.
7. Speaking of the savings article, listing all the most suitable and simple ways save the family budget, it must be said that there is another opportunity to avoid unnecessary expenses. The amount that homeowners pay for heating will immediately be noticeably reduced if some materials are replaced. Just use not old wooden window frames, but install new plastic double-glazed windows. Although it makes sense to consult with experienced craftsmen who will tell you how to do it right, what to do in order to keep the heat in the room.
8. Saving energy is a task of particular importance. The most tangible costs are the payment for electricity and water. If, in order to save money from the family budget, meters are even installed on heating pipes, then it is necessary to monitor the cost of electricity. More than 40% of all costs are accounted for by paying for electricity. Therefore, it is worth resorting to the help of specialists who will install equipment and devices that limit electricity consumption. So, for example, some devices will turn off if they are not used for a long time. It will be impossible to leave the TV or computer on - regardless of whether their owner is at home or at work.
9. Going to the grocery store or market for food can end up being a significant expense. It is very difficult to track expenses if purchases are made unplanned. If you know that you can manage a predetermined amount of money, then the first thing to do is to buy the most necessary products. In this case, you can carefully study the price tags on the shelves and take advantage of the seller’s offer to buy two goods at the price of one.

Do not give up the opportunity to purchase popular products at low prices. Their quality must be confirmed, and as a result, the buyer will be able to receive a full-fledged product by paying a much lower amount. Such savings are possible if the spouses decide to forego daily shopping trips.

The purchase is carried out once a week, given that on certain days most large supermarkets offer their customers discounts on a huge number of products.

Family budget programs

There are many ways to organize work aimed at saving the family budget. Modern newlyweds try to give up writing in various notebooks and diaries. They are not satisfied with tables that can be compiled using a computer. Now, more and more often, the first thing spouses do is turn to the Internet for help, because it is useful and instructive.

On the pages of numerous sites you can find many programs already in finished form.

The user will have to choose the most suitable and download it. The resulting material will not only be useful. It's also a way:

• gain additional farming experience;
• save the family budget;
• study your expenses, analyze them and forego some.

Experienced users and life hackers have compiled a rating of the simplest, most accessible and useful programs that meet the most stringent requirements. All of them:

• multi-user and suitable for a variety of systems;
• programs give a detailed account of the total budget and provide materials on the individual costs of family members;
• it is possible to use the SMS notification service from the bank;
• each user can comment on their expenses;
• from prying eyes, such programs are securely protected by a password or PIN code.

To start using one of the programs for planning and saving a family budget, you need to choose the most suitable one by finding those on the Internet that do not require a fee.

The most popular are:

• YNAB;
• ZenMoney;
• home money;
• Drebedengi.

Many users prefer Google Sheets. But working with them takes longer and is not always convenient. Take the CashFly program, download and install which does not require special skills and does not need to pay. This wonderful assistant will track all costs, reduce debit to credit.

The program will help the user put an end to rash purchases, expensive snacks and much more.

In this video, you will be told how to properly allocate the budget and what you can save on:

It will teach you to pay attention to even the most seemingly insignificant expenses.

For those who decide to clean up their home accounting and save the family budget, planning will help. But even this is not enough. It is important to collect accurate and detailed information relating to all expenses. The selected computer programs for saving the family budget will be able to reduce monthly expenses by at least 15–20%. Which of the programs are more effective and useful? What to be guided by when choosing one of the many existing programs? How best to lead home bookkeeping? Young spouses have a lot of questions, and not only experts on the Internet can answer them, but also those who have been saving their family's budget for several years.