Create a budget: How to carry a household book
In addition to a classic notebook, you can also use Excel, Google Sheets, Software programs or special apps . Think about the purpose of your budget book. Would you like to get an overview of your expenses and income, keep an eye on your consumption behavior or follow a specific savings plan? In jedem Falle gibt es einige Kategorien, die Ihnen dabei helfen, Ihren Haushaltsplan zu strukturieren.
- first record your monthly income . If you have several sources of income, the best way to do this is to see exactly how much money comes from.
- below, preferably in an extra table, list your monthly fixed costs for rent, internet, insurance, loan payments and subscriptions.
- Following a savings goal can set a budget for the month from your income and fixed expenses that you do not want to exceed.
- In any case, as third positions, you should list your other editions as precisely as possible. It is best to differentiate between vital and non -vital expenses.
- The vital expenses include, for example, food purchases, fuel invoices, doctor visits, costs for hygiene and cosmetic items and clothing, if you really need them.
- Not vital expenditure would be, for example, restaurant visits, vacations and other purchases that increase their quality of life, but are not immediately necessary for survival.
- In the end, add all the items - income, fixed expenses and variable expenses - separately and count against each other.
- In addition, you can still note which reserves you have to have black white in mind, how much you save every month or whether you live through your conditions.
Create a budget: In order not to lose an overview, you should write down all editions as soon as possible
Imago Images / Jochen Tack
