Money Sharing People Share The Experience Of Budget Control.

< p > to make a budget, we must first define the budget cycle, which is generally defined as monthly budget and annual budget. The purpose of monthly budget is usually the cost of daily living, which is more detailed. The target of the annual budget is mainly the purchase of large family items and the improvement of larger family facilities. < /p >
< p > < strong > 1. Monthly budget < /strong > /p >
< p > budget includes two parts: fixed expenditure and non fixed expenditure. < /p >
< p > fixed expenditure refers to the cost that can not be omitted within a certain period of time, including the rent, electricity and water, gas, telephone, monthly fee, and child care fees or tuition fees, and the elderly's alimony. < /p >
< p > non fixed expenditure refers to the items that are more flexible and more affordable. The basic categories include: food, < a target= "_blank" href= "//www.sjfzxm.com/" > clothing < /a > daily necessities, newspapers and magazines, beauty, medicine, entertainment, communication, savings, temporary use. < /p >
< p style= "text-align: left > > the fixed expenditure in the budget must be kept. The first three items in the non fixed expenditure should be stipulated in a basic amount, and then be adjusted according to the actual situation of the month. Savings can be listed as a fixed number or planned in the annual budget. The rest can be reasonably planned according to the actual situation. < /p >
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< p > < strong > two, annual budget < /strong > /p >
The P budget should plan some of the family's major goals, such as purchasing large household appliances, changing furniture, decorating houses, and travelling far away, and saving money for this purpose, or paying attention to compressing certain expenses in the monthly budget to ensure the completion of the goals. < /p >
< p > budgetary principle is based on the situation, moderate and moderate, especially the non fixed expenditure part, must plan to use properly, play too wide, easy to cause waste; too tight will be difficult to do, and even affect the feelings of husband and wife. At the same time, we should consider large projects, and reduce some of the projects that can be supported and supported, so as to achieve the overall benefits of spending money. < /p >
< p > some couples think that the preparation of family budget is too complicated, so they prefer to spend money intuitively. However, spending money intuitively is very easy to fail. Budgeting is a means of spending habits. If used properly, it can make you live better. < /p >
< p > below is what I wrote according to my budget: "how to budget": < /p >
< p > budget making is a good way to let us have a good control over the expenditure of next month or year. Many people do not have a clue in budgeting. So how can we make a good budget to play a role in reducing expenditure? First, list several items according to your family expenses, and then estimate the future expenditures according to past consumption. < /p >
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< p > < strong > three, basic life < /strong > < /p >
< p > our daily contact is the basic life. For basic living expenses, we do not have to lower the standard of living, and then we budget next month's expenditure according to family income. There is not much difference in basic life and last month, but if we plan well, we can save a lot of money. < /p >
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< p > < strong > four, traffic communication < /strong > /p >
P > transportation is also a common expenditure in our daily life. If there is a private car, the oil fee is a relatively large expenditure, and the budget can be a good control over the next month's oil fee. If you feel you want to exceed the budget, you can't drive a few times, but the cost of communication is not too much at present. < /p >
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< p > < strong > five, cultural entertainment < /strong > /p >
< p > this can be more or less, or even not. But we can't read and learn entertainment when we manage our financial affairs. That also means lowering the standard of living. Therefore, it is necessary to make appropriate budgets on cultural consumption. The entertainment here is inclusive of travel, so we can no longer travel less money!! < /p >