As you can see all of the planned purchases and actions by themselves sufficient costly. Spontaneous buying something from this list capable of penetrating a serious dent in the budget. Drawing up such a list will help you plan your purchases, collect money and most importantly – to prioritize. Of course, over time, the list can be updated and supplemented. The funds planned for expenditure items for the month, we divide by the week.
So we're much easier to control the dynamics of expense. And if there was overspent in the early days of the week, you have to hold on to the end of the week, and vice versa. That is, we can assume that the reference period we have a week, even though the budget and planned for a month. In our family, at present, the main earner and I am the breadwinner, and I do not feel the slightest discomfort about the use of funds from the family budget with all family members, if only it was justified. At any moment, each of us can take the necessary amount cash, but we remember that it is family money, and everyone feels responsible for the welfare of the family. Thus, it becomes clear that we have adopted a joint type of budget, and all we have built on mutual trust and responsibility. Any individual, 'pocket' zanachek we do not – there is not much in need.
Necessary expenses for each is discussed and planned, the possibility of unplanned spending also accounted for. Although We agreed that in future, with the growth of family income, each of us will have their own means. Such a system of personal zanachek presupposes co-separate type of budget. This approach to management Budget is interesting because on the one hand there is something in common, converging, and on the other hand – there are some financial independence from each other. I believe that this method is very good in the first place – lack of guilt over total waste of money for themselves, and secondly – everyone knows what he can expect a disciplined, well in third – you can, for example, to surprise a loved one some unexpected gift. Separate way of doing the budget somehow does not inspire optimism, not ours it is. He came from the West, where women, by all means, seek to be equal to men. It is nice but not that bad, for example, to pay for a woman in a restaurant? You should not blindly copy someone else's lifestyle. And in the family, the total budget, with planned and coordinated – this is another piece Bringing family members. Incidentally, under the Family Code, the money earned by one of the spouses or both together, are the joint property (Section 3, Chapter 7, Article 34 of the 'Family Code' on December 28, 2004). That is so constructed the financial side of our family life. At the moment we are quite satisfied with this disposition. How would you – it's up to you