Simple Ways to Prepare Budget

In order to manage your family finances more planned, you need to draw up a draft budget aka budget. From here you can see detailed traffic to your finances: income and expenditure. Here is a step-by-step in a simple budgeting:

Phase 1: Manage salary or income. If you and your husband work or own a business, then you both are earning the family income. Include income from non-salary (routine), such as a side business, the buying and selling of property, stock dividends, interest and other deposits.

Stage 2: for details of all spending a month ranging from household spending to needs children and yourself: electric, telephone, transportation (including spare parts, servicing, petrol), children (tuition, fees, etc.), workers (nurse, maid , driving). Do not forget to include installment loans (auto loans and mortgages), health care costs, the funds for personal (self and spouse purposes).

Step 3: Enter to list your spending some money for an emergency fund. This is important because in a precarious state, you should be able to ensure the family can still live life worthy of the funds. No less important is the amount of money to save on your expenses.

Step 4: After calculating the amount of income and expenses, calculate the rest. If there is still considerable, meaning your family's financial health. Beware if it turns out your finances showed a negative balance. Financial patterns we often really quite embarrassing to be recognized. Your opinion about?! Not necessarily! According to, a financial planner Ligwina Hananto, "It's not about how much you earn, but how much you spend." Sounds very familiar with your situation?!

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