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In home accounting, the form in which the family budget is kept plays an important role. Several types are distinguished.

A personal budget is kept by an independent person living alone. In this case the person receives money, keeps track of it and, if necessary, distributes the finances independently as well. They pay all expenses themselves.

A separate budget. This type of budget is used when two or more people share the same living space, and each of them keeps their own income records independently and pays their own expenses independently as well. This type of budget is found when students live in a dormitory, but quite often it can also be used by young families.

A partially joint budget. It is used when 2 or more people live together, each of whom receives an income. They pay part of the expenses together in equal shares. Such expenses include utility payments. This type of budget is found both in families and when unrelated people live together. For example, it can be a jointly rented home, whose rent in this case is also paid in equal shares by each participant of the budget. Another example of such a budget is adult children who earn an income living together with their parents.

A joint budget, as a rule, is a family one. It implies adding up all the income received by family members. Often the basis of such a budget is the salary of one or both spouses. Depending on circumstances, income may include various social payments, childbirth benefits, pensions and so on. In some cases, if the family has students receiving a scholarship or working children, their income may also be included in the family budget. With a joint budget all expenses, regardless of their size and degree of necessity, are paid from the total income received.

Each of these types of budget has its own features and needs to be accounted for. This helps avoid extra costs that lead to loss of money. All this helps avoid conflict between the budget participants, because the operations they make are strictly recorded and can be confirmed by documents such as receipts and invoices. You can systematize, analyse and plan them using <a href="/en">Online home accounting</a>. Its special functions allow you to make consolidated reports for several budgets.

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