Three Ways To Make The Family Budget Work.

How to distribute the family budget? Here you have the first option: “one basket”, ie all funds, irrespective of who, when and for what purposes earned them are added together. From this “basket” all the members of the family take money to make their small and large purchases, food, transportation, tutoring, study and so on.

• Pros: family budget transparency, the ability to understand, what amount you have for some “black day”, perception of family as a whole.
• Cons: You can schedule one for both, friction and strife, who gets more (yes your car! .. “-” Always your clothes… “).
Second way: “the way of two baskets, suitable more for the” test “families,” civil marriage “and more complex relationships in which there is no need for one hundred percent trust and budget transparency. In this case, there is “your” and “mine”, and each of the person pay the certain portion of rent payments, the amount necessary for food and their own needs pays out of pocket.

• Pros: the opportunity to do more work and to get more pleasure from earning an impressive gift for beloved, who does not know about the financial possibilities of the spouse.
• Cons: the possible objection that your partner distrusts, in cases of quarrels ways to manipulate (and not the solution of the conflict), and bravado, “I can afford, and you – do not.”

The third way: is the method of the three baskets in which each member of the family pay a fixed amount, which allows living good life. All that is got from “above” that amount, everyone is free to spend at their will.

This way is good for those who have different needs in the family concepts of “good life”. For someone just new things will be enough, and someone needs very expensive things – so why should you quarrel? The budget provides a minimum amount for clothing; if you want you may some of “you” money
“basket” with pockets”
What to do even if the three baskets do not help? How to distribute the family budget in this case? Hence, except for “baskets” you will have to enter into use “pockets”. Name is rather conventional, but the principle is simple: specify the maximum expenditure. For example, we have put into “common basket” a certain amount of money. Now, we need to clarify how much will be spent to pay for the phone, utilities, rent, and how much – the food (per month, respectively, per day). The more precisely to define – the less surprises as far as spending the money.

Economic recession has made lots of people caring of their retirement and future, look for various ways to save money and retirement financial planners. Those who are concerned about their retirement well-being, are recommended to check out this professional financial planner site – the proper place online to get professional pieces of advice and learn how organizing personal finances is made.

Fortunately we live in the world of high technologies. It wouldn’t be wise not to use this truly unique opportunity. Modern online technologies provide us with a way to break the borders and search anything we need all over the world. Check out different social networks, review related topics, join online discussions in niche forums. All this will help you keep abreast of the events concerning your hobby. And, sign up for the RSS feed on this blog to keep track of new publications on the topic.

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