A financial plan will help you not to be left without money at the most crucial moment.

The main task when drawing up a personal budget is not just to balance debits with credits, but to wisely distribute expenses so that in the last week before payday you don’t have to borrow or live from hand to mouth.

You can plan your budget in special or any tables - the principle is the same.

As a rule, the main part of the salary is paid not on the first day of the month, but on the 5th, 10th or 15th. Therefore, it will be more convenient to plan a budget not for calendar month, and for the period from paycheck to paycheck, for example from March 10 to April 9.

Income

First, you need to record all financial receipts in order to understand how much you have. All sources of income should be taken into account: salary, bonus, part-time work, money from renting out an apartment, and so on. If your income is unstable, it makes sense to form a budget when you know exactly how much you have, for example, on the day the money is received on the card.

Expenses

The items of expenditure that cannot be avoided should be entered first. This list will look something like this:

1. Groceries (including lunches at work if you eat in the canteen).
2. Communal payments.
3. Directions
4. Mobile connection.
5. Internet.
6. Household chemicals.

Naturally, the list of mandatory payments will be different for each person and each family. Tolls may be replaced by gasoline costs. People with chronic diseases will take into account the costs of medicines. The same list will include loan payments, kindergarten fees, and so on. At the same time, the traditional trip to the cinema on Saturdays and similar expense items are not mandatory.

Make it a rule to put money into a “stabilization fund” every month. This can be a fixed amount or a percentage of income.

The amount remaining after deducting mandatory expenses can be dealt with in two ways:

1. You allocate money for entertainment, clothing and various amenities.
2. You divide the remaining amount by the number of days in the month.

With the first method, everything is clear: you determine that you will spend 3,000 rubles on cinema, the same amount on clothes, and so on. The second method is worth considering in more detail.

Let's say you have 15,500 rubles left, and there are 31 days in the month. This means that you can spend 500 rubles daily. At the same time, mandatory expenses are already taken into account in the budget, so this money is intended only for pleasant expenses or force majeure circumstances. Accordingly, if you spend more than this amount per day, then you will go into the red, and at the end of the month you will have to tighten your belt. If you don’t spend anything, then within two weeks you’ll save up 7,000 rubles, which you can spend on something big.

The money remaining at the end of the financial period can be spent or put aside. The first way is pleasant, the second is rational.

How to plan a budget for the year

The annual financial plan will need regular adjustments both in terms of expenses and income, so all columns in it need to be created in duplicate: a forecast and an actual indicator.

Income

If you have a regular income

With a fixed amount of earnings, you simply enter salary and other stable income into the income section. The only thing that will interrupt the usual course of things is vacation pay. Usually, before a vacation, they give you money for the days during which you will rest, but then you will miss a certain amount in your salary. But in general, at the forecasting stage, especially if you are drawing up a budget for the first time, it will be enough to use only the salary amount for all months.

If you have inconsistent income

If income is irregular, there are three ways to forecast income:

1. You are sure that you will receive a monthly amount sufficient to live on, although you do not know its exact amount.

Calculate your average income and use it for calculations. If you earn more than the predicted amount in any month, move the excess to the piggy bank. You will get into it if you earn less than average.

2. You don’t have a regular income and you’re not sure what you will have.

It is better to take the minimum income as a basis for calculations. In this case, budget planning will become a task with an asterisk, but there will be no financial surprises.

3. Part of your income is stable, but the exact amount of earnings is difficult to predict.

For example, you receive a fixed salary, and the availability of a bonus depends on many factors. Then it’s worth planning your budget so that a stable income covers all your primary needs, and you’ll spend on the rest depending on the situation.

Don't forget to take into account the income you receive irregularly: quarterly bonus(once every three months), return of tax deduction (once a year) and so on.

For example, let's take a situation where the majority of income is stable - this is salary. The minimum premium is 3,000 rubles, and we will use this figure in the forecast. We also note that for the anniversary in August they should give at least 20,000 rubles: parents promised 15,000, friends will probably give at least 5,000.

Expenses

When planning your expenses, write down the obligatory expenses in the month columns: food, public utilities, travel, mobile communications, household chemicals and so on. Please note that in winter utility bills are higher due to heating, and for mobile communications, for example, in May you will spend more because you are going on vacation. These changes must be included in the budget.

So, in the example you can see that the heating season ended in March, so the last increased payment for housing and communal services is scheduled for April. Vacation in May is also reflected. A budget maker is planning to go to visit her grandmother for three weeks. The tickets have already been purchased, so there is no point in taking this expense into account. Housing and communal services are considered according to standards and will not change.

At the same time, our hero will not spend money on travel for three weeks. And he cut his food costs in half: for a week he will eat at home, and will also take on part of the food costs from his grandmother.

The next step is to record obligatory but irregular expenses. Let's say in May you need to pay taxes for your apartment and car, in May you have a vacation, in August you have an anniversary, and in December your gym membership ends. Separately, consider the need to buy gifts for the holidays.

Large expenses can be planned in two ways:

1. Find the entire amount from your monthly budget.
2. Divide it over several months.

The hero of the example used the first method to plan expenses for the anniversary and the second - for compulsory motor liability insurance.

All that remains is to take into account the savings in the budget and calculate the balance. In the example for entertainment, according to the forecast, 8,020 rubles remain (258.7 rubles per day).

Budget adjustment

Every month, after receiving income from all sources, the budget will have to be adjusted to determine the amount that is actually on hand. As information becomes available, it is also worth considering changes in costs.

The person in the example received more than he expected.

He also spent a little less on food and mobile communications, and a little more on housing and utilities. As a result, after all the mandatory deductions, he is left with 12,535 rubles (404.3 rubles per day), which is almost twice as much as the previous result.

It is worth remembering that even if you have been extremely disciplined in adhering to a financial plan, drawn up taking into account all the details, circumstances can seriously adjust the budget. Losing a job, getting promoted, and having a child will all require major changes to your financial strategy. But even a poorly drawn up budget is better than no budget at all.

Planning a family budget is one of the foundations of managing personal finances and achieving financial well-being.

What is it for?

1. Determine the amount of money that you can not spend on your current life, but use to achieve your goals and financial independence (financial freedom).
2. Ensure comfort in life so that money does not “slip through your fingers”, but is spent on something important and necessary.

Everyone knows that it needs to be planned, but few people do it.

Why don't people plan their family budget?

In our opinion, there are two reasons.

The first is the wrong attitude towards him.

The second is that the process of planning a family budget itself becomes more complicated.

For many, competent management of personal finances is associated with the need to save a lot and deprive oneself of life’s pleasures. This is a big mistake.

In fact, the quality of life should improve. Why does this happen?

The fact is that most people are wasted. For example, abuse of energy drinks, frequent meals in cafes, overpayment for goods and services that could cost less (clothing, mobile communications, etc.), impulsive purchases. Giving up on them will not reduce life comfort in any way.

But with what pleasure you will be able to redirect part of the saved money to something really important to you: self-care, relaxation, hobbies, gifts for family and friends.

You see that we are not talking about total cost cutting, but about setting priorities. Such family budget planning will improve the quality of life without the need to earn more.

It turns out that the family budget is a faithful watchdog that protects your comfort in life and your plans for the future.

Family budget table

There are programs that count expenses in monetary terms and in physical terms, down to the grams of onions you ate per month.

Such detailing does not provide any benefit, but takes a lot of time and effort. Eventually it gets boring.

Therefore, install a budgeting application on your phone, which indicates the main items of income and expenses: groceries, dining out, communication expenses, transportation, clothes and shoes, etc.

Let's be honest with ourselves, planning a personal budget is not the most interesting thing in life. You need to give him exactly as much time as necessary. Therefore, minimum effort – maximum results.

A person receives a salary, makes expenses, and saves only the money that remains at the end of the month. But there will always be very “important” and “urgent” needs that will require the remaining money. This is the wrong approach.

It is much easier, immediately after receiving your salary, to set aside the amount that you planned to use to create personal capital, and calmly spend the remaining money. We are moving towards the goal, we are creating planned savings, so we spend money comfortably and

Family budget and family expenses

Some people are embarrassed to save: what will they think of them if they ask for a discount or are outraged by the high cost of the goods. In fact, the rich are not afraid of the opinions of others. They know the value of money.

How much is one hour of your life worth? Let's assume that your salary is 60,000 rubles. with a standard work schedule of 176 hours per month. It turns out that one hour of your life costs 340 rubles.

If 20% of your income slips through your fingers, then 35 hours of your precious life or almost one working week are wasted.

Just think, you could relax for a whole week and still not lose the comfort of life.

Will you now be embarrassed to ask for the quality of the services provided to you or ask for a discount? We hope not.

For example, a person, to save money, travels by bus rather than by minibus, experiencing discomfort and associated negative emotions. Then he “breaks down” and overpays an extra couple of thousand at a restaurant. There is no real reduction in costs, but the negative experience remains.

Therefore, do not try to save too much on small things. Analyze the largest items of your expenses and reduce them without losing the comfort of your life. Pareto's law applies here: 20% of efforts give 80% of results and vice versa.

Maintaining a family budget is not difficult!

Moreover, family budget planning can ensure a comfortable life and financial well-being. All you need to do is organize its planning in a way that is convenient for you and enjoy the positive results. This is how money becomes an ally and begins to work for a person.

Family budget and expenses

How to achieve optimal expenses.There are two approaches.

The first is intended for people with developed willpower and internal discipline.At the beginning of the first month, you draw up a spending plan, roughly estimating where and how much money you need to spend. Then for a month you live according to this plan. If you don’t have enough money for something, you can’t cut yourself some slack and spend more.

You need to “enjoy” the consequences of your decisions as much as possible, to deny yourself something. This is very sobering and next month your plan will be more accurate. And of course, don’t forget to save immediately after receiving your salary.

The second option is suitable for people with less developed willpower, i.e. for everyone else.

The first month you simply write down where the money goes. At the end of the month, with a 95% probability, you will be shocked by how you manage your personal finances. Many will ask themselves the question: “Where do I find so much money?”

Once you have specific numbers, you can think about how to cut costs. For example, look for a cheaper business lunch or sign up for an economical tariff on your phone, read an interesting book some weekend instead of having fun in a nightclub, etc. In the end, in 3-4 months you will reach optimal expenses.

How to manage your salary increase?

Suppose you are used to living on 40,000 rubles a month, at least 4,000 goes to achieving goals and the remaining 36,000 is spent. Your salary was increased by 5,000 rubles. What will the majority do in such a situation? Will increase expenses by this entire amount. But you are used to living on 36,000 rubles. Even 2,500 rubles in addition to expenses will allow you to spend more. But the process of accumulating capital for your goals will go much faster when the monthly invested amount is no longer 4,000, but as much as 6,500 rubles. And so on with all additional income.

Rich people know what they earn, and use the difference to create and increase capital. You should follow their example.

Date of publication: 04/22/2017

A family is a state in miniature: it has a head, an adviser, “ subsidized population", income and expense items. Planning, distribution and sequestration ( familiar words?) family budget is an important task. How to save and save without going on a starvation diet? — Create a table for recording funds received by the family and review the structure of payments.

• Money– one of the greatest instruments created by man. They can buy freedom, experience, entertainment and everything that makes life more comfortable. But they can be squandered, spent in an unknown direction and senselessly squandered.

Legendary American actor of the early twentieth century Will Rogers said:

“Too many people spend money on things they don’t need to impress people they don’t like.”

Has your income been less than your expenses over the past few months? Yes? Then you are not alone, but in big company. The problem is that this is not a very good company. Debts, loans, penalties and late payments are growing like a snowball... it's time to jump out of the sinking boat!

Why do you need to keep a family budget?

“Money is just a tool. They will take you where you want, but will not replace you as a driver,” Russian-born writer who emigrated to the States, Ayn Rand learned from her own experience the need to plan and budget her own finances.

Unconvincing? Here three good reasons start planning your family budget:

1. Calculating a family budget will help you figure out long-term goals and work in a given direction. If you drift aimlessly, throwing money at every attractive item, how will you be able to save and go on a long-awaited vacation, buy a car or make a down payment on a mortgage?
2. Family budget expenses table sheds light on spontaneous spending and forces you to reconsider your purchasing habits. Do you really need 50 pairs of black high heels? Planning a family budget forces you to set priorities and refocus on achieving your goals.
3. Illness, divorce or job loss can lead to serious financial crisis. Emergencies happen at the most inopportune times. This is why everyone needs an emergency fund. The structure of the family budget necessarily includes the column “ saving“- a financial cushion that will help you stay afloat for three to six months.

How to properly distribute the family budget

Some practical rules The family budget plans that we present here can serve as a rough guide for decision-making. Everyone's situation is different and constantly changing, but the basic principles are a good starting point.

Rule 50/20/30

Elizabeth and Amelia Warren, authors of the book " All Your Worth: The Ultimate Lifetime Money Plan" (in translation " Your Whole Wealth: The Ultimate Money Plan for Life") describe a simple but effective method budgeting.

Instead of breaking down a family's expenses into 20 different categories, they recommend dividing the budget structure into three main components:

• 50% of income should cover basic expenses, such as paying housing, taxes and buying groceries;
• 30% – optional expenses: entertainment, going to a cafe, cinema, etc.;
• 20% goes to pay off loans and debts, and is also set aside as a reserve.

80/20 rule

Step 2: determine the income and expenses of the family budget

It's time to look at the structure of the family budget. Start by making a list of all sources of income: wages, alimony, pensions, part-time jobs and other options for bringing money into the family.

Expenses include everything you spend money on.

Divide your expenses into fixed and variable payments. Fill in the fields for variable and fixed expenses in the table for maintaining a family budget, based on your own experience. detailed instructions on working with excel file in the next chapter.

When distributing the budget, it is necessary to take into account the size of the family, living conditions and the desires of all members of the “unit of society”. A short list of categories is already included in the example table. Consider the categories of expenses that will be needed to further detail the structure.

Income structure

As a rule, the income column includes:

• salary of the head of the family (indicated “husband”);
• salary of the general adviser (“wife”);
• interest on deposits;
• pension;
• social benefits;
• part-time jobs (private lessons, for example).

Expense column

Expenses are divided into constant, that is, unchangeable: fixed tax payments; home, car and health insurance; constant amounts for Internet and TV. This also includes those 10–20% that need to be set aside for unforeseen cases and “rainy days.”

Variable expenses column:

• products;
• medical service;
• spending on a car;
• cloth;
• payment for gas, electricity, water;
• personal expenses of spouses (entered and planned separately);
• seasonal spending on gifts;
• contributions to school and kindergarten;
• entertainment;
• expenses for children.

Depending on your desire, you can supplement, specify the list or shorten it by enlarging and combining expense items.

Step 3: Track your spending throughout the month

It is unlikely that you will be able to draw up a family budget table right away; you need to find out where the money goes and in what proportions. This will take one to two months. In a ready-made excel spreadsheet that you can download for free, start adding expenses, gradually adjusting the categories " for yourself».

Below you will find detailed explanations for this document, since this Excel includes several interrelated tables.

• The purpose of this step is to gain a clear understanding of your financial situation, clearly see the cost structure and, at the next stage, adjust the budget.

Step 4: Separate Needs from Wants

When people start recording their spending, they discover that a lot of money " flies away"for completely unnecessary things. Impulse, unplanned expenses seriously hit your pocket if your income level is not so high that a couple or two thousand go unnoticed.

Refuse to purchase until you are sure that the item is absolutely necessary for you. Wait a few weeks. If it turns out that you really cannot live without the desired item, then it is indeed a necessary expenditure.

A little advice: Put aside credit and debit cards. Use cash to learn how to save. It is psychologically easier to part with virtual amounts than to count out pieces of paper.

How to properly plan a family budget in a table

Now you know what is really happening with your money.

Look at the categories of expenses you want to cut and make your own plan using a free excel spreadsheet.

Many people don't like the word " budget”, because they believe that these are restrictions, deprivations and lack of entertainment. Relax, a personalized spending plan will allow you to live within your means, avoid stress and sleep better rather than worrying about how to get out of debt.

“An annual income of £20 and an annual expenditure of £19.06 leads to happiness. An income of 20 pounds and an expense of 20.6 leads to suffering,” Charles Dickens’ brilliant note reveals the basic law of planning.

Enter your prepared family budget into the table

You have set goals, determined income and expenses, decided how much you will save monthly for emergencies andlearned the difference between needs and wants. Take another look at the budget sheet in the spreadsheet and fill in the blank columns.

A budget is not a static figure fixed once and for all. If necessary, you can always adjust it. For example, you planned to spend 15 thousand monthly on groceries, but after a couple of months you noticed that you only spend 14 thousand. Make additions to the table - redirect the saved amount to the “savings” column.

How to plan a budget with irregular income

Not everyone has a permanent job with regular payments. wages. This doesn't mean you can't create a budget; but this means you have to plan in more detail.

• One strategy is to calculate the average income over the past few years and focus on this figure.
• Second way- determine a stable salary from your own income - what you will live on, and save the excess into an insurance account. In lean months, the account balance will decrease by exactly the missing amount. But your “salary” will remain the same.
• Third planning option– maintain two budget tables in parallel: for “ good" And " bad» months. It's a little more complicated, but nothing is impossible. The danger that awaits you along this path: people spend and take out loans, expecting income from best months. If the “black streak” drags on a little, the credit funnel will eat up both current and future income.

Below you will find solutions on how to distribute the family budget according to the table.

After we have decided on the main goals, let's try to distribute the family budget for the month, indicate current income and expenses in the table, in order to manage funds wisely, to be able to save for main goals, without missing out on current and everyday needs.

Open the second sheet " Budget"and fill in the fields of monthly income, annual income, and the program will calculate the results itself, example:

In columns " variable expenses" And " fixed costs» Enter estimated numbers. Add new items where " other", in place of unnecessary names, enter your own:

Now go to the tab of the month from which you decided to start saving and planning family expenses. On the left you will find columns in which you need to record the date of purchase, select a category from the drop-down list and make a note.

• Additional notes are very convenient to refresh your memory if necessary and clarify exactly what the money was spent on.

Simply delete the data entered in the table as an example and enter your own:

To account for expenses and income by month, we suggest looking at the table on the third sheet in our Excel " This year", this table is filled in automatically based on your expenses and income, sums up and gives an idea of ​​your progress:

And on the right there will be a separate table that will automatically summarize all expenses for the year:

Nothing complicated. Even if you have never tried to master working with Excel tables, selecting the desired cell and entering the numbers is all that is required.

Poll: How old are you?

Shopaholism or lack of composure?

Don't know how to properly allocate your budget? There are several reasons for this. There are many among us who cannot live a day without going shopping. And there is such temptation! Before going to the boutique, you didn’t even know that you needed some blouses and trousers; you could easily do without them. But they saw it and fell in love. We'll get cash urgently! If we don’t have enough, we’ll pay with a credit card, not for the first time.

The apartment of shopaholics is like a museum. A pile of dishes that are never used, mountains of cosmetics whose shelf life expires even before they decide to use them for their intended purpose, figurines, animal figurines, plush toys - the list goes on and on. Shopaholics frantically buy everything they can get their hands on; for them, things have no practical meaning. I bought it and was glad. If I didn’t buy it, I borrowed money and went shopping again.

Tell yourself stop. Exactly today and right now. Look around - why do you need all this? For the sake of momentary joy from a dubious purchase? Imagine that by giving up pointless spending, you can save up for a vacation in a couple of months. But relaxation will bring you much more positive emotions than the hundredth lipstick.

But there are people who don’t suffer from shopaholism, but they still don’t have enough money. They spend only on the essentials! Believe me, this is far from true. Start writing down all your expenses and literally in a week you will be surprised to realize that you have purchased nonsense and forgotten about utility bills... Lack of composure and negligence are the main enemies of the family budget.

The economy must be economical

So, you are determined to save money. The main thing here is not to overdo it - eating exclusively oatmeal and walking around in winter and summer in only trousers, collecting a penny in a tight stocking - is clearly overkill.

WITH ? We are learning a new profession and starting to do home accounting. Keep a notebook where you will enter data daily. In a separate column, enter the income of all family members - salaries, benefits, scholarships, dividends. Next, immediately plan the mandatory expenses that you cannot do without. For example, utility bills, travel expenses, payment kindergarten or school, loan payments.

The remainder consists of everyday expenses, food, household needs. And the amount that remains at the very end will be used for unforeseen expenses - medicines, urgent repairs; for entertainment, and for a piggy bank, for example. By the way, about unforeseen expenses. It’s good if you have a nest egg - that’s why they are called unforeseen expenses because you don’t plan for them, but they come. Try saving 10% from each salary into a separate account. It’s not important for the budget, but it’s obvious.

There is another option for the forgetful - special budget planners who will take into account and calculate everything themselves. There are a lot of such programs on the Internet; you can download them to your computer or fill them out after registering on the site. For owners of iPhones and smartphones, there are convenient mobile versions of home accounting.

How to save money: little tricks

Install water and gas meters - utility bills will be reduced. A banal but true piece of advice - don’t forget to turn off the lights and unplug your mobile phone chargers - this way you’ll save on electricity. pay attention to tariff plan your mobile operator - maybe you should change it to a more profitable one?

Second-hand stores and flea markets - yes, yes, and there is nothing wrong with that. Sometimes you can find absolutely luxurious things there at a ridiculous price. If you are planning to buy something that you need for a short time, maybe take a look at the free classifieds site and buy it second-hand? For example, a walker or a baby's high chair. This will significantly save the family budget.

Lunch break at work - colleagues go to a cafe, and out of habit you go with them. And if you bring lunch from home, you can use the money saved to dine at a restaurant every week.

Of course, the recommendations given will not allow you to get rich suddenly, but by following them, you can get much more for the same amount. And in conclusion, I would like to note that reducing expenses often helps to increase income! Invest in yourself, in your education, study - and you will certainly succeed.

Last update: 01-08-2017

Variable income

It is better not to take into account, because... are not permanent and not predictable.

Eg. Tax deduction most get several years. They plan their expenses based on the receipt of a certain amount once a year, but sooner or later this will end and then they will have to cut back on spending.

In this case, it is better to use the money to create an airbag or early repayment mortgages.

But that is not all.

It is not enough to distribute money; you also need to control how it is spent. This will ultimately save the family budget.

3 tips to make it easier to control your expenses:

1. Create a file in Excel with all income and expenses and fill it out daily ().
2. After a certain amount of money is allocated for each category,need to divide them into 4 weeks. With a shorter time interval, it is easier to keep track of when the category budget is approaching the designated limit and cut expenses so as not to go beyond the limits.
3. Record expenses It’s best to do it every day and not rely on your memory.

I immediately foresee an objection:

“Why write down expenses every day if we have already allocated where and how much we will spend? And so I remember!

An example from personal experience

Although the expenses are the same, it happens that I get lazy and start to remember at the end of the week how much I spent and where. As a result, in the category " unaccounted expenses“(I’m adding here those expenses that I can’t remember where I spent, so that there are no inaccuracies) I have to write down up to 20% of the allocated budget for other categories.

20% is a significant discrepancy

And one more thing, I’ve been keeping track of expenses for four years now, so I know how much money I spent and when. This information is very useful if you want to save money, because... it becomes clear where you can reduce costs or predict expenses.

Step No. 3 – Family budget table with monthly expenses

It is convenient to take intervals of a week, a month and a year. Weekly and monthly intervals allow you to control current expenses, and an annual interval allows you to take into account non-fixed expenses (holidays, birthdays, vacations, etc.).

2 principles for adding expense categories:

• If there are expenses that we want to track, we put them in a separate category
• If we want to get detailed information, we divide the categories into subcategories

Below is a detailed table of costs.

Nutrition At work other - outdoor recreation, visiting holidays, etc.	If desired, the data under categories should be broken down in even more detail (vegetables, meat, drinks, etc.) - this will allow you to assess which foods need to be reduced in the diet and which would be better to add.
Payments cold water heating Internet telephone	I think everything is clear here. Now it’s easy to say exactly how much the cost of certain services has increased.
Loans payments insurance
Directions public transport Taxi
Automobile fuel repair insurance add. inventory loan payments tax	This category is included separately because it constitutes a significant part. These kinds of records will show exactly how much it costs to maintain a car, and you can follow the link.
Purchases cloth shoes household appliances, equipment, tools hobbies and interests furniture other	This should not include large categories such as automobile.
Household Goods	Every little thing: light bulbs, hooks, clothespins, etc.
Hygiene	This should include soap, shampoos, washcloths, etc.
Health doctors medicines pool sport	A big category that is also worth keeping a closer eye on.
Present birthdays holidays	Divide into subcategories: names of people, names of holidays.
Hobby	I think everything is clear here too.
Rest cinema, theaters, museums, etc. eateries other
Vacation travel nutrition purchases housing entertainment	I took it out separately, because this is also a fairly large category of expenses that is useful to track. For example, last year you went to China and wrote down all the expenses. If you decide to repeat the trip this year, you will already have some kind of guideline.
Repair work materials delivery	It is also quite useful to record expenses so that it is easier to plan this type of work in the future. in a one-room apartment with rough finishing. Even after a few years it will not be difficult to count everything.
Education	Also, if necessary, break it down into subparagraphs.
Debts	Enter data here when you lend money to someone.
Not taken into account	At times it becomes too lazy to keep track of daily expenses, so there are inevitable gaps that need to be written off somewhere. You can use this solution.

A table with expenses has been compiled. If there is no category, then add it.

Step No. 4 – Create a financial airbag

Once again I will draw your attention to these points.

Financial airbag – if there is no money in reserve, then you can get into a difficult situation – this is a risk.

Therefore, first of all, 5-10% of your salary should be allocated to creating a reserve, which will allow you to live without any sources of income. A reserve of a couple of months will allow you to survive dismissal, a supply of half a year will allow you to survive a protracted illness.

• Financial independence – additional income can be spent on entertainment/shopping or deposited in a bank account. A more convenient tool -