Some of the causes that make people lazy to compile their personal budget because it is too think that in compiling a personal budget is a kind of mathematical formulas or complex accounting. But in reality very simple, containing only the income and expenditure only, so only two columns only, no complicated instead.
To start it all, prepare a piece of paper or notebook and pen / pencil. On one sheet of paper you just wrote down the source of your income this month, and also enter your additional income from other lines, may now help wash dishes in the cafe or the other ^ _ ^. On the other sheet you will make a list of expenses this month, when can you start now, because I post this article was the beginning of the month. each expenditure is better categorized for well-organized. I give a little example, primary expenditure category and secondary spending.
Below is an example of how you categorize your personal expenses.
Primary expenditure
- Rental Houses, apartments, etc.
- Insurance
- Tax and Electricity
- Water and Sanitation
- Food and Drink
- Phone and Internet
- Mobile phone
- Transportation Costs
- Laundry
- Emergency Fund
Secondary Spending
- New Clothes
- Make up (for women)
- Cable Tv
- Dining Out
- Bar Club
- Supplements
- Entertainment
- Cigarettes
- and other funds
The examples above are not necessarily the same, because everyone has different needs.
After you set the budget, break each of your spending, what if you do not need or you do not need today, and think if you take out unnecessary costs that cause you run out of money for the unnecessary.
If you prepare a personal budget for the first time, do not be embarrassed, because it did not look at age in its regulation. take action!
for your personal financial future and learn to manage Household Budget later, and achieve a bright future together a happy family.