Maintaining a home budget: how to make it easier to work with finances

If you can not learn how to optimizetheir income and expenses, they are used to living on credit and can not collect the right amount in any way, then you should try to start keeping house accounting. At first, you might think that this is a waste of time, because you will not have money from this anymore. But few people think that an accurate accounting of all spending often helps to reduce them.

Accounting Software

If there are conflicts in your familybecause of money, it is worth seriously thinking about how to calculate costs and revenues. Of course, all entries can be made in a notebook or notebook, but this will not give you a visual indication of what amounts go where. It is much more convenient to use special programs. If you do not want to understand their capabilities, then try to start home budget in Excel.

By the way, do not underestimate this program: in it you can not only write down your expenses, calculate them, group them in a way that is convenient for you, but also build a diagram or graph that will show where all your money went. Do not look for ready-made tables for accounting - it's unlikely you will be comfortable with someone's scheme. Spend a few minutes and make it as you need it.

For example, keeping your home budgetplace in a regular tablet on 3 columns, where you will indicate the income received, incurred expenses and sum the total. But this is not too convenient and obvious, it is better to distinguish articles of expenditure, where in some categories to take out products, utility payments, clothing, entertainment, spending on cars, rentals, loans. You can also divide revenues: do not forget to take into account unforeseen income, interest on deposits and others.

Special programs for accounting

If you do not want to reinvent the wheel again andpuzzle over the tables, then you can download one of the programs that allows you to keep your home budget to make the most comfortable. Some of them are offered absolutely free of charge, others require payment for their downloading and further use. So, you can set yourself a "Home Auditor", "Home Accounting", "Family", "Zhadyuga", "Family Wallet" or some other program, there are dozens of different options.

When choosing carefully read the description,suggested by the developer, but do not leave unattended and feedback from users of the program you like. Only those who have already tried to manage the home budget with it can tell you whether it is convenient.

Required features

Agree, write down your income and expenses youyou can also on the leaf, so the program should be presented with more serious requirements. So, you should not only have the opportunity to make all the spending, but also group them, build charts to visually see the movement of funds. It is also desirable that the home budget program supports the possibility of entering information on deposits and loans, automatically calculates interest rates by the way you indicated, and adds them to the relevant article.

It is very convenient, if the program willa "reminder" function is provided. So, with its help, you will not forget to pay bills on time, re-issue the deposit or pay off the loan. You should also pay attention to the application interface, with which you want to optimize the maintenance of your home budget. Open it to you almost every day, so the form of the program should attract you.

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