If it is positive, then let the accounting language, you have the "net profit", if negative – you are living beyond their means. In this case, Analyze each item of income and expenses. Visit man group for more clarity on the issue. You have two options: either to give up some expenses, or seek additional sources of income. If your family decided to save money for large purchases, made to the budget another column – the "accumulation." Amounts of this line carry from period to period with an accrual basis until such time until you have the correct amount. Now that the financial plan drawn up for a month, it remains to see to it that does not go beyond the planned budget.
It may happen that the prediction will be wrong – well, adjust it. The main thing – every day brings in a sign their expenses and income – in order to verify at the end of the month, how real was your plan. How to optimize the cost? In the words of Marcus Tullius Cicero, "the size of the state are not determined size of income, habits and way of life. " Optimization, or reduce their spending does not necessarily mean lower living standards or the total cost. Analyze your expenses for a month and pay attention to emotional purchase: a pretty brelochek, decorative pillow, bobby pin in rhinestones. Experts claim that about 40% of such acquisitions are completely unnecessary and bring us pleasure only During the first 5-10 minutes after your purchase. Typically, the cost of such cute, but totally useless trinkets than 100 hryvnia – psychologically easy for us not hesitate to part with this amount.