Budget. It is a word that we all know. Everyone knows what a budget, right? But how many of us and keep a monthly budget? The truth is that most of us start with the best intentions, but an unexpected expense, and busts our budget. And then we will deal with our finances and juggle too deavoir months to the end desGeld. If versearch, a budget for systematic or pay debts, a program of savings and investment products, it is important to develop a realistic and achievable.
So, what is the problem? Because most of us not on the simple task of a budget, so as to live according to our possibilities? Simple truth is that most families can not work because they are not good for the irregular or variable costs. Everyone knows how their rent or dvale to ipotecar paid. This applies in the months after the same amount on Monday, if the lease is $ 1000 per month, which is not in itself. This also applies to many other fixed costs such as car repayments, cable subscriptions, insurance premiums, and others. It 'easy to budget for these expenses, because the different amounts vary from month to month.
In addition to the cost Nuri exactly the same amount for each month, there are many different types of costs that are pochig one month to another, but abneed to a good idea of what each Monday speind A good example is our store. Most of us have a fairly clear that there are every week at the supermarket. So we can offer a realistic figure in our current budget and not too far from the mark. The montantn increase or decrease a little 'of each month, we know that aberwir manage. Other examples of this category include telephone bills, the accounts of public utilities and petrol (where prEzzi are stable, that is).
The real culprit in the financial variable or expenditure. What is the cost to repair the vehicle over the next 12 months? What is medical care? Home maintenance costs? It appears that the bills for this type of dépensesVen hes left us in the field, and that it is in our budget. A long time ago, we have the money for a new set of tires for our cars and the entire Budget is threatened.
And what's the solution? There isno solution for this problem. But there may be a precise, using the simple technique of monthly average. It starts with the collection of 12 months to check the records, bank statements and CREDitcardafschrift. Please note (or in a spreadsheet), what did you pay when the money was not something that is fixed costs. Group, these costs into categories such as automobiles, home care, Kleidung, etc. Try not to break too far. What we wantmo is a couple of useful categories. Thus the provision of individual cost elements vanhun according to the categories for the entire period of 12 months.
If you plan this year, you must create a distorted excellentidée the annual expenditure on variable costs. For example, if you are in automotive repair or maintenance costs for the year, and the value of $ 1200, and then dividing by 12 the result of $ 100 per Monat. That you need in your costfor the creation of reserves for the repair of motor vehicles what is available. Moreover, this method is not perfect, there can be a burden to your estimationdépenses, but in any case take into account an approximation of reality, to guess or, worse yet, even though the conversation in the car.
The trick here is another savings account, where this "extra" resources. Saying that the "extra" amounts to € 100 for risparmios period of six months, then beaten with a car per repair of $ 400. They pull the money from your savings of $ 600 has been developed specifically for this espècet costs. This will automatically destruction covers all types of irregularities, which for the previous year.
Most people are horrified when we look at spending 12 months and it is immediately clear why the budget has yet to break. This technique will need to recognize that the disciplineto "Extra" money is actually rarement extra. IKF essence, we believe that there are between ethyl money burns a hole in your hand, our tendency, based on nothing. But if we know that there is no money left, because we have not yet booked, the $ 100 additional funds for the cars on the road, then we will have less pizza, beer and movies.
Families can be obtained by this technique is the monthly average, especially if we do not ask for more, year after year. Since Cheil progress of our understanding of our employee costs is clear and we are not surprised by unexpected expenses.
The best way to implement this concept is the creation of a savings, the amount you are willing to destroy the coverage of costs will be deducted automatically from your salary and in relation to your account from savings deposits. If the money is deducted from your salary before you, you are less inclined Kritispartie in this proceschemical budgetzione so, and you have the possibility of a budget in the long term.
So, what is the problem? Because most of us not on the simple task of a budget, so as to live according to our possibilities? Simple truth is that most families can not work because they are not good for the irregular or variable costs. Everyone knows how their rent or dvale to ipotecar paid. This applies in the months after the same amount on Monday, if the lease is $ 1000 per month, which is not in itself. This also applies to many other fixed costs such as car repayments, cable subscriptions, insurance premiums, and others. It 'easy to budget for these expenses, because the different amounts vary from month to month.
In addition to the cost Nuri exactly the same amount for each month, there are many different types of costs that are pochig one month to another, but abneed to a good idea of what each Monday speind A good example is our store. Most of us have a fairly clear that there are every week at the supermarket. So we can offer a realistic figure in our current budget and not too far from the mark. The montantn increase or decrease a little 'of each month, we know that aberwir manage. Other examples of this category include telephone bills, the accounts of public utilities and petrol (where prEzzi are stable, that is).
The real culprit in the financial variable or expenditure. What is the cost to repair the vehicle over the next 12 months? What is medical care? Home maintenance costs? It appears that the bills for this type of dépensesVen hes left us in the field, and that it is in our budget. A long time ago, we have the money for a new set of tires for our cars and the entire Budget is threatened.
And what's the solution? There isno solution for this problem. But there may be a precise, using the simple technique of monthly average. It starts with the collection of 12 months to check the records, bank statements and CREDitcardafschrift. Please note (or in a spreadsheet), what did you pay when the money was not something that is fixed costs. Group, these costs into categories such as automobiles, home care, Kleidung, etc. Try not to break too far. What we wantmo is a couple of useful categories. Thus the provision of individual cost elements vanhun according to the categories for the entire period of 12 months.
If you plan this year, you must create a distorted excellentidée the annual expenditure on variable costs. For example, if you are in automotive repair or maintenance costs for the year, and the value of $ 1200, and then dividing by 12 the result of $ 100 per Monat. That you need in your costfor the creation of reserves for the repair of motor vehicles what is available. Moreover, this method is not perfect, there can be a burden to your estimationdépenses, but in any case take into account an approximation of reality, to guess or, worse yet, even though the conversation in the car.
The trick here is another savings account, where this "extra" resources. Saying that the "extra" amounts to € 100 for risparmios period of six months, then beaten with a car per repair of $ 400. They pull the money from your savings of $ 600 has been developed specifically for this espècet costs. This will automatically destruction covers all types of irregularities, which for the previous year.
Most people are horrified when we look at spending 12 months and it is immediately clear why the budget has yet to break. This technique will need to recognize that the disciplineto "Extra" money is actually rarement extra. IKF essence, we believe that there are between ethyl money burns a hole in your hand, our tendency, based on nothing. But if we know that there is no money left, because we have not yet booked, the $ 100 additional funds for the cars on the road, then we will have less pizza, beer and movies.
Families can be obtained by this technique is the monthly average, especially if we do not ask for more, year after year. Since Cheil progress of our understanding of our employee costs is clear and we are not surprised by unexpected expenses.
The best way to implement this concept is the creation of a savings, the amount you are willing to destroy the coverage of costs will be deducted automatically from your salary and in relation to your account from savings deposits. If the money is deducted from your salary before you, you are less inclined Kritispartie in this proceschemical budgetzione so, and you have the possibility of a budget in the long term.