Sorting Your Money Family Articles | February 24 Maglia Danilo D'Ambrosio Inter Milano , 2005 For anyone that is familiar with The Complete Budget and BillOrganizer, http:www.homemoneyhelpBBOonline you already know that I recommend that you use your checking accountto pay bills and cash to cover your household expenses.
With all of the different items that the average individual orfamily spends money on, it can be difficult to keep it separated. You have to have money for groceries, car gas, school lunches Maglia Miranda Inter Milano , Groceries, Dining Out and Entertainment just to name a few.
You could buy a box of envelopes each payday and sort the money on payday and stuff the money in an envelope until you need it. Of course, then you would have to have a safe place to keep it.
If you like the envelope method, then by all means use it. However, the entire purpose of The Complete Budget and Bill Organizer is to simplify things. Sitting down at the kitchen table each payday and sorting cash is far from simple.
It would be much better to try storing it in your wallet or purse. You would have the money when and where you need it. There is an element of risk that the money could be lost or stolen. If you don't feel comfortable with having that much cashin your wallet and don't have problems handling your checking account Maglia Andrea Ranocchia Inter Milano , you could deposit the money for groceries in your account and write a check for your normal grocery shopping. I wouldn't write a check for just a milk and bread run.
For a family, a budget keeper should be assigned to sort the money. They would be responsible to distribute the money to other members of the family. To do this you will have to clearlydefine who in the family is responsible for what expenses. Let me give you an example:
A family with a working dad and a stay-at-home mom with threeteenage kids may distribute their money like this:
Household Income after money for bills is deposited in checking: $500
Mom is assigned as budget keeper and keeps $355. Out of this money she is responsible for buying the groceries, health items, cleaning supplies, the families clothing Maglia Mauro Icardi Inter Milano , school lunches, pay the paper boy and other expenses around the house. Mom takes $50 out of this money for herself that she doesn't have to account to anyone else in the family for.
Mom gives dad $100 of which he is responsible for paying for hisexpenses to get back and forth to work including car gas. Dad can use $50 of his money that he doesn't have to account to anyone else in the family for.
Mom gives each of the three kids an allowance of $15. This money can be used any way they choose.
By sorting your money this way, each member in the family can keep the money in their wallet and all of the responsibilities are covered. No, you won't know exactly how much you spend each month on groceries, car gas Maglia Samir Handanovic Inter Milano , etc. The main point of a simple budget is to make sure you have the money to pay everything without the hassles like sorting your money into envelopes and accounting for every penny.
Mom, as budget keeper, would also be responsible for keeping thebudget, paying the bills and depositing money in their savings. This does seem like a lot of responsibility for just one person in the family but, to ensure that their finances are organized and everything is covered Maglia Blank Inter Milano , it is absolutely necessary. It is also important to make sure dad knows how mom is handling thingsso that he can step in if the need arises.
While developing your budget using the Budget Worksheet you willknow what your household expenses are. Simply take that list andassign it to a member of the family along with the money to coverit. If you run into problems and somethings aren't being paid, you will probably have to review your budget and reassign theseresponsibilities.
Article Tags: Budget Keeper
There is no one out there who has not thought about creating a bucket list but whether you have created one or are on your way to completing any of the items on it are completely separate matters. Bucket lists often include romantic walks along the Seine in Paris, a sports vacation or birthday skydiving sessions. Creating your own can be one of the best thing you ever do to help yourself finally lead the life you have always dreamt about and not one that has been planned for you by others. But in addition to adventure and romance, a bucket list should be an all-encompassing map on how to live a full life. It should include the basics that everyone must face, including finances Maglia Joao Mario , family, health and career motives.
Do not put off creating your bucket list because the longer you put it off, the less time you have to begin living the life you want to live. All you need to begin is a few free hours, a pen and some kind of writing tablet. If you create your list on a computer, be sure to print it out afterward to serve as a reminder that your dreams are not going anywhere. You may be surprised at how easily your desires and dreams flow onto the page!
Ultimately Maglia Lautaro Martinez , as you create your list what goes on it is completely up to you. If you think a well-balanced life is covered by spirituality, material objects, travel, adventure, finances Maglia Sime Vrsaljko , health, education, family and career then include all of these things. If you feel the need to leave any of them out, do so but be sure you are not leaving out anything simply because you are afraid to do it. Often times the things we dream about the hardest are those which we most fear taking on.
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