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7 Steps to a No-Hassle Family Budget

Some people just dread the idea of ​​creating a budget. Maybe they’d prefer not to know how serious their situation is, or maybe the idea of ​​having to do math puts them off.

If you’re one of those people who really doesn’t want to have to create a budget, it’s time to change your thinking. Budgeting is a great tool for assessing your family’s spending habits, and sometimes just knowing how much you spend on “extras” can help you think a little more carefully before pulling out the credit card.

What is a budget?

A budget is a simple tool you can use to list your family’s cash flow. How much money comes in? How much does it cost, and in what ways? Do you have a plan for future expenses, such as home maintenance, vacations, your children’s education, or retirement?

That’s all there is to it.

Building a budget

To create a budget for your family, stress-free, just by following the steps below. Before you know it, you’ll be on your way to smart spending and seeing the benefits.

1. Collect three months of pay stubs and use them to determine your average monthly pay.

2. Using paper or online bank statements, credit card statements and your memory, look at your monthly expenses (both fixed and variable). Use 3 months of records to get an average for each category, such as utilities, groceries, mortgage payment, insurance, etc.

Don’t forget to include debt payments on things like lines of credit or credit cards.

3. Analyze your results. Take note of the areas where you think you spend more than necessary and think of ways to save.

4. Develop a monthly budget and try to stick to it for 2-3 months.

5. Make sure that in your monthly budget, you set aside money for savings. If you don’t already have one, set up a savings account to make regular deposits into.

6. After 2-3 months, review the monthly budget. Adjust the areas you need, update the debt payments needed, etc. Remember that an effective family budget is a living document.

7. If you can, consider using a budgeting software program or spreadsheet application to help you keep track of your expenses. Or, if you prefer, try using the envelope or jar method, to limit your spending to budgeted amounts only.

With just these 7 simple steps, you can develop a hassle-free budget for your family that can help build savings and lead to a financially stable and secure future for you and your family.

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