Download and use the budget book for free
Studies prove it again and again: Those who keep a household book spend less money, but still live just as well. You can even download templates for a budget book from the Internet free of charge.
Budget book - download and keep it for free
- Probably the reason you save money by keeping a household book is real simple: You don't buy so many rashly goods if you write down the price for them at home got to. Because by writing it down, the amount of money has not simply disappeared from memory, but the (unwanted) expenditure outlasts the moment.
- So keeping a budget book means using this little psychological attention trick.
- The prerequisite is of course that you are honest with yourself and really write down all (important or larger) amounts in the budget book. So it takes some time and discipline.
- First of all, it doesn't matter whether you keep a budget book by hand or prefer to use your computer or mobile phone. So you can confidently buy a ready-made household book in a well-stocked stationery store.
- But even a simple search query shows that there are many household books that can be downloaded free of charge, e.g. B. with Computerbild, with Geizkragen or freeware.
- There is also a budget book at Savings tip. The household book offered there is also free of charge. It is an Excel file that can be opened with Excel or the Calculator from OpenOffice-Cal, printed out and very easy to use. You can currently download the budget book for 2011 there. In the operating instructions you will learn how to compare income and expenses in the file, sample examples will help. At the beginning, however, you need some time to think into the (economically oriented) way of thinking of such a budget book.
- To get a realistic view of the real costs of your household, it is important to all costs, get an overview of all monthly and yearly costs in your household too procure. Also think of car insurance, electricity and heating costs, etc. Scroll through the last invoices for this.
- In order to get an overview of the daily costs, you should always (!) Request a receipt when purchasing a product. This allows you to enter your expenses in the book on a daily (or weekly) basis.
- After a while, this important task will have become a matter of course.
- At the end of the month or after a quarter, take stock and review your expenses. Where is there still potential for savings?
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