If your family struggles to make ends meet, the destroyers of budgets may be the culprit. In this article we provide practical advice on the matter.
The budgets are destroying large areas of potential problems that can destroy a budget. Failure to control, even one of those problem areas may be cause of disaster. Below are some tips on how to identify any potential areas problems before they become problems that destroy your budget.
1.Renta (38% of your net monthly income)
Generally, this is one of the biggest problem areas related to their budget. Many families rent or purchase a home they can not afford. Income Decisions should be based on the needs and financial capabilities, not external pressure or internal.
2.Alimentación (12% of your net monthly income)
Many families buy too much food. Other families buy very little. Reducing the cost of feeding a family planning requires the quantity and quality.
3.Transporte (purchase and maintenance, 15% of your net monthly income)
Often, consumers do not act wisely when it comes to buying and servicing a cars. Many families buy cars they can not afford and change long before their usefulness has expired.
With the exception of new-car salesmen who need a regular basis, most people in the U.S., for example, change their cars because they want to, not because they need it. In addition, most people in the United States pay higher prices for repairs and general maintenance of their cars, which often can be avoided.
4.Deudas (5% of net income)
Ideally, a family budgets were reduced to only 5% of debt ( credit cards, bank loans, including home loans fair, and credit payments), however, unfortunate norm for an average American family, for example, far exceeds this amount.
5.Seguros (5% of net income assuming that the employer provides health insurance)
Few families understand what type and size of insurance required. Insurance should be used as a supplementary provision for the family, not for protection or for profit.
Insurance is not designed to save money or for retirement. So choose an insurance plan based on God for his life, not what other person says that you need for your life.
6.Recreación/Entretenimiento (5% of net income)
While families need a certain amount of entertainment and fun for maintaining a healthy family environment must also resist the temptation to indulge excessively and control expenses related to recreation and entertainment.
is important to note that people who have debts should not use the money of their claims for entertainment or to entertain their families. The normal tendency is escaping from problems even for a short period of time, although after the problems are acute. This should be avoided.
7.Ropa (5% of net monthly income)
Many families in debt sacrifice this area in their budgets for the excesses in other areas. However, if planned and bought wisely, families can dress well without spending much.
8.Gastos medical and dental (5% of net monthly income)
Families must provide for these expenses in their budgets and regularly set aside funds to cover them. Do not sacrifice the health of the family for a lack of planning but it also does not use medical or dental services excessively. Prevention is much cheaper than treatment or surgery.
9. Savings (5% of net monthly income) is important that families establish some savings in their budgets, otherwise the use of credit becomes a need for life and lifestyle debt. A savings plan allows you to purchase items with cash rather than credit.
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