Segít valaki kidolgozni a family budget tételt?

One of the hardest things about making a budget and managing money can be keeping track of what you spend.

Spending can be regular (fixed expenses) or irregular or once-off (variable expenses).

Here are some of the fixed expenses you might want to include in your family’s budget:

house repayments or rent

utilities – gas, electricity, water, phone and internet

council fees and land taxes

school or tertiary study fees

health, car and household insurance

credit card and personal loan repayments.

Here are some of the variable expenses you might want to include in your family’s budget:

food

home maintenance and household goods

school uniforms, textbooks and stationery

medical and dental fees

car repairs and petrol

public transport

personal items like clothing and haircuts

holidays

entertainment

other things like gifts and special treats for you and your family.

If your income allows, deliberately overestimating the money you need for bills might help you find extra spending money.