For some, the idea of a budget is often blurred.
It is frustrating to see how difficult it is to make a budget and realize that with an incorrect purchase, you can actually ruin everything.
And this has been a perennial headache for most housewives.
It’s time to review the way people look at the budget.
Actually, it can be a great way to keep track of your family’s expenses and
help you evaluate the things in which you spend most of your family’s earnings.
What is a budget?
A budget is a tool to manage your finances by controlling family expenses in a way that money is enough to pay bills, and to ensure that savings are set aside for future expenses: vacations, education of children or even for the retirement.
Try these simple steps to prepare a family budget without frets and see the benefits of smart spending.
1. Gather three months of your pay stubs and get your average monthly earnings.
2. Get three months of your monthly bills.
Do this for fixed expenses such as rent, phone bill, car payments and other loans that arrive monthly.
Add them and get the average. Do the same for other expenses such as groceries and credit card bills.
3. Evaluate the results of your calculations.
Regarding your average monthly income compared to your monthly fixed expenses
and other monthly expenses, think of some ways to economize.
Reduce some elements that are somehow unnecessary.
4. Know the facts of your income and expenses, develop a family budget and try to maintain this monthly budget.
5. Now that you have a monthly budget, set up a savings account.
Save by making regular deposits in this account.
6. Keep track of this monthly family budget just to see if it works for you.
Try to adjust the “rough edges” of this budget as you go.
7. If you can get a personal budget software or a spreadsheet application
to keep track of your budget, the better. This will make organizing your expenses very easy.
These are the basic steps to develop and implement a family budget
without complications and easy to maintain.
Of course, each family has different needs and desires.
You are free to develop your own monthly family budget, based on the financial background and the needs of your family.
No matter how you do it, simply focus on the bottom line,
which is to generate savings that will lead to a bright and financially stable future for your family.
ما هى VAPULUS ؟
VAPULUS هي وسيلة دفع وتسويق عن طريق الهاتف وأقوى مزوّد حلول مدفوعات في الشرق الأوسط و جنوب افريقيا،
تقوم بتزويد الخدمة لكلا من رواد الأعمال والأفراد واضعين نصب أعيننا توفير
تجربة دفع رائعة للتاجر المصحوبة بمميزات التسويق الرقمي والتحليلات، حيث تتنوع وسائل الدفع الرقمي،
فإن نظام التشغيل يقبل بطاقات الصراف الآلي وبطاقات الإئتمان و المحافظ الرقمية علي حدٍ سواء،
مما يتيح الفرصة لتوفير خدماتنا لفئة الغير متعاملين مع البنوك بحرية.
تطبيق VAPULUS عبر الهاتف يمنح مستخدميه إمكانية الشراء عبر الانترنت والشراء من داخل المحال التجارية
ودفع فواتيرهم بالطريقة المفضلة لديهم من خلال الهاتف أو الجهاز اللوحي أو الحاسب الشخصي.