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

If you can not learn how to optimize your income and expenses, you are accustomed to live on credit and can not collect the right amount, 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 family because of money, then it's worth thinking about how to calculate expenses and incomes. Of course, all records can be made in a notebook or notebook, but this will not allow you to clearly see 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, count them, group them in a way 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, running a home budget can be placed in a regular table of 3 columns, where you will indicate the income received, incurred expenses and sum the total. But this is not very convenient and obvious, it is better to distinguish articles of expenditure, where in some categories to take out products, utilities, 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 and think over the tables, then you can download one of the programs that allows you to keep your home budget as comfortable as possible. 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 proposed by the developer, but do not ignore the feedback of users of the program that attracted you. Only those who have already tried to manage the home budget with its help can tell about whether it is convenient.

Required features

Agree, you can write down your income and expenses on the leaf, so the program must 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 accrues interest in the way you specify, and adds them to the relevant article.

It is very convenient if the program has a "reminder" function. So, with her help, you will not forget to pay bills on time, re-register 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.