How to calculate costs and revenues:

Income - is a collection of absolutely all cash receipts for the month. If it is a big family here that you want to include and the salary of parents and grandmother's pension, scholarship and daughter. And any social benefits, pay for part-time are not the main job, and others.

Suppose that in a month the family has a stable income in the amount of 50 000 rubles. This amount will be the maximum, but that should leave the family at the end of the month, when it deems their spending.

In order to calculate the costs and see where the money and why 50,000 is not enough to live on, you need to have an ordinary notebook in which you want to record the estimated expenditure for compulsory payments:

Payment for utility services;

Purchase tickets;

Pay phones;

Credit fee;

Tuition fees;

Food.

Variants of the family budget can be only three:

Balanced - income and expenses are equal;

Deficit - spending more than income;

Surplus - revenues greater than expenses.

The best will be the one when revenues exceed expenses. The extra money is always there where to invest, and they can be a real lifesaver, for example, during an unexpected illness of a relative.

Though a large family, though living alone man must consider your income and expenses. This personal accounting help to plan a major purchase, holidays by the sea and will be a great impetus in the quest for a better life.