We all want to have on hand some money to spend you can, absolutely not worried for tomorrow. And we began to go to save, largely denying themselves, but hardly spend the accumulated funds, sometimes not the most sensible way. This is because we do not know - how to accumulate the required amount and properly dispose of it. The main cause of free cash flow is a strict expenditure planning, not strained attempts to save. What would rationally plan their expenditures, you first need to address domestic accounting. To maintain domestic accounting you need to start a cash book, a thick notebook. Although, of course, all records can be conducted with the help of a computer, there are special programs for this. For example, I previously used the program CashFly, it is simple and easy to use and, moreover, is free. Currently I use the program Ace Money. Strictly speaking, this program is paid, but there is a light, free version. However, you should not ignore the normal entries in pencil in a notebook. I am very much different subsidiary records, and I exist for this notebook, notebook, diary and just blocks to paper records. And this, despite the fact that I thoroughly computerized home and at work. For assimilation and memorization, the manual recording approach is best. Well, it's a matter of taste, and each chooses himself what he needed. Those who decide to keep records by hand, can offer a working notebook with pages of cash book. They should be printed on a printer, and then, if necessary, you can add pages, print the appropriate. In the cash book should record daily details of the expenditure and income, for example: date, type, amount, where spent, by whom, etc. The entries in the cash book you will need for further analysis and definition of articles and expenditures. It is important to be patient and keep records for one quarter, a few months, a year or six months - too long a period. Analyzed the available records, it will be possible to draw some conclusions. These findings will surprise you, I promise! Follow all the expenses, you can determine where, when, how, why money is spent, and where the leak (s) of funds in the family budget. The more detailed and more accurate records are maintained, the easier it is to identify the fact of overspending, random spending money, etc. Early detection and prevention of leakage of funds is one of the most important tasks of the home accounting. There were times you have such cases when you could not remember - on that money was spent. And can they lose? Or stolen? In most cases, you can help your saved cash checks. After you save them, right? Anyway - before entering the data in the cash book. Be sure to collect and save your cash checks, even on the regular and permanent purchases, somehow - bread, or milk (beer, smokes). I alone know when the money left in your wallet is less than the records - you sit and try to recall what has been spent 238 rubles? And with a check - no problem: where, when, how much. When you have all recorded and calculated, you can easily find out how much money was wasted on senseless, useless detail, simply because they had money in his pocket. If we collect those "lost" money for a week - will not so little! And for the month, for the year - the car might not be enough, but the new furniture - easy! Or a nice vacation trip. Most people believe that a prosperous life, income must exceed the costs, ie amount "of credit" articles should be greater than the sum of "consumables". However, it is not entirely true, correct maintenance of your home accounting and reasonable budget planning leads to a balance between revenues and expenditures, ie difference between them is zero! Balance - is the equality of income and expenditure. The trick is that the so-called "temporarily free funds" should be entered in the article "accumulation," which, in turn, should be considered "expenditures". "Expendable" because these funds are withdrawn from the current budget (purse, pocket), that is, spend it at the moment impossible. They, however, not - and that's it! These funds are in the bank (commercial, not glass), are stored and accumulated. If these surpluses appear suddenly, unexpectedly - that means that the family can not correctly identify the sources of revenue to the family budget. Conversely, if the costs exceed revenues - is in most cases means that the family is not able to determine in advance the coming costs of something forgotten, there were "holes" in the budget. Hence we can conclude that for budget planning is necessary to clarify a few things: * Where do the money, determine the level of income; * What, when and how much money is spent; * As there are "holes" in the family budget. This will help you a strict account of the movement of funds between your purse, and at local stores, ie Maintaining the home accounting. Good luck and prosperity.