In general, when early marriage, frequent difficulties manage household finances, resulting in a deficit cash flow occurs at the end of the month, due to financial management have not arranged properly, and there has been no comprehensive planning.

1. Make planning the year ahead.

The first time, create a plan (budget) in the coming year, which breaks down within months. Planning is separated between the source of funds (funds flow in, can come from wages, other income from teaching, writing, etc.) and use of funds.

In planning has listed plans to be implemented throughout the year, and separate: main (operational cost), development costs, dissemination costs, reserves (no hidden costs). The operational cost is the cost that really must be issued each month without being able to wait, among others: the cost of electricity, water, school fees, transport, cost of essential commodities / food a month. Read the full story