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Save money at the supermarket is a great way to spend additional money to clear in other areas or simply to make ends meet. As we saw, cut the cost of food is definitely feasible. If we work hard enough to him, we can really save a bundle. However, the issue of more money and simply disappear with the money elsewhere is not the best way to handle it. And this brings me to my biggest passion after. Budget Committee. I am now convinced that we all need a> Budget. If there is $ 20,000 per year or, if we charge $ 500,000 for years. It does not matter. We all need to start a budget and stay there.

For many, many years my husband and I worked and lived, worked and lived. As our income increased, so have our costs. Now the problem is that I did not even say what we bought. But I can tell you that there is nothing we needed and it was definitely things we could do without. If we had a budget, wewould have been a much better situation when my husband lost his job a few years, a much better situation now that we have 3 children to school and a much better position that we actively plan for their retirement. This is not our child marriages, which could be mentioned in the near future. (Oh, please guys, give me about 5 years!)

So, here are some ways to manage your money and plan a budget for your family.

1 and go through your income Costs. Check every single bit of income that comes and goes every single bit. Write down everything. Everything. Every gift, every fast food shopping and more. Once you have everything in writing, from items that are due each month and can not be changed (at least not immediately). Then make a list of invoices, you can customize. So you should agree with the cost 2 output categories: fixed and variable Bills Bills.

Bills Steady loan /> Rent, car payments, phone bills, etc.
Bills variables: food, gas, restaurants, entertainment, clothing, etc.

. 2 Write your budget: Get the job of setting the budget by. If your mortgage / rent is $ 2000 and six budgeting every 2 weeks, $ 1000 for salary, then get it set that. Go down the list and do everything. If you do not have enough, then you must make adjustments. This is a must. Your outgoing cash flowsDO NOT exceed your incoming money. If so, go to your variable bills and start cutting. If you need to be left for more money should be used to pay debts to one, please add your emergency fund, savings account to edit and / or retirement.

3. If you have an emergency fund non-emergency fund, you must add that the budget line. Get the € 1000 saved as soon as possible. If it means selling a few things on eBay or in a garageSales do. If it means eating out of the store for a month or two, do so. It 's very important to have at least a small emergency fund so that when something goes wrong, there is no need to pull out a debit card to pay for it.

4. We follow the system of cash allocations Dave Ramsey in which we are a cash envelope system. Every 2 weeks (because that is how my husband is paying), you get money from the bank that we have budgeted for some time. We put thebudgeted money in envelopes and use it in the course of 2 weeks. If we run, we must wait until your next paycheck. Here are the items that we use cash budget:

Food
Gas
Clothing
Haircuts
Dry Cleaning
Blow money for my husband
Blow money for me

Blow money is the money that each of us in our pockets and spend what we want. A $ 25 each, every 2 weeks, we are not always very far with it, but it's nice to have some 'more moneyour portfolio.

5. Virtual Cash envelopes my biggest problem when we started our budget, not the money that we pulled out the equipment for cash, but with the money that was budgeted for and left on our behalf. I do not want to stop in a single account, all together in a great little lumps. I wanted it to be associated with an envelope. But it was in the bank, the challenge was to organize them. So I decided, as we pursue our QuickenThe banks that would have separate accounts in Quicken and "transfer" the money of the main Quicken account and recorded in each of the separate accounts. As I did this was through the creation of other "bank accounts" of the Quicken software. Each new "bank account" was the name of balance sheet items as mortgage, phone bills, etc. My money is still in an account with my bank, I see it in Quicken, as a passage from the main account in the budget. Change So if I go to pay the mortgage, buying a gift or a car is repaired, the money has already been taken into account. I'm just taking away from money, the account accumulated in their household.

I do it in Quicken, Excel, but you could do it in mint or even free software to manage your budget. Some bank accounts have this right now online. Or even if it is just old fashion pen and paper. Whatever you and your family. Here are somevirtual envelopes that we have:

Mortgages
Telephone
Auto Payment
Auto Repair
Home Repair
Hospitality
Gifts
and (unfortunately)

6th place to stay. Once the budget is set, the key is to stick with it. It 's easy to move accounts from one of your budgeted a month to dry up for another financial lead pay, that is. The typical thing to do is to say, I will repay next pay check. Well, believe me when I tell you, 9 times out of 10that will not happen. The money will never go back, where it should be and before you know it, a small hole was dug, you have difficulty climbing out. What happens next? These credit cards are paid, not for fun things, but for the stuff that was on your budget that can not keep up anymore. So, stick with the budget.

I will not lie. When we started, we were the first three months of torture. They really were. I thought it was a desperateCause, but I knew if we plugged along, we would be kept in a better place. And, it's easier. It 'really. And now I'm so grateful that we are on a budget. Being on a strict budget actually a feeling of relief. I know this sounds strange, but we (including children) know our limits and now easily stay in them. And the funny thing is that our budget has not changed since we started. But when we started, I thought it was crushedand would never be able to continue with this budget closely. But now I do not want to change it.

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