Family Savings !!

Here are the tips to make a good family savings plan:

1. That all income and expenditure of the family, be recorded in one account, totally transparent and always agreed by the spouses. If no mutual agreement on economic decisions and each partner does what he wants, in secret and without permission, the marriage will not be saved and many problems of coexistence.

2. That saving is supported with the practice and development of the 30 virtues and human values to consider saving on the family, which is listed at the end of the article, trying to customs, to become such a habit and be virtues.

3. To avoid making the antithesis of the family savings, such as waste, waste, consumerism, squandering, gluttony, sloth, etc. Although it is not wrong or contrary to the virtue of saving, take a personal tribute from time to time.

4. Clearly identify the amount and timing of how the objectives of household savings, supported in a real, sincere and technically feasible budget revenue and expenditure, to avoid frustration, be realistic about what can be achieved with different amounts of that savings.

5. Learn to invest the family savings are not lost, as has happened with certain investments and eliminated in times of crisis.

6. Trying to convert the variable costs in overhead, envisaged as maximum quantities for each item, such as entertainment expenses, clothing, fads, etc.

7. Developing a schedule of income and expenditure (cash flow), so that no situations that has to borrow the family, for not having foreseen the gap between revenues and expenditures.