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Income is the basis of home accounting, because without it it is impossible to exercise any control over financial flows. That is why it deserves special attention. What exactly is income?

Income is money received by an individual (in this case) over a certain period of time. Depending on the form in which the family budget is kept, income can be personal or joint. In addition, it is divided into permanent and periodic.

Permanent income is regular receipts of money of a set size that make up the main part of the family budget. This includes:
<ul>
<li>the salary of both spouses or one of them;</li>
<li>social financial assistance to one of the family members (payments for childcare up to 3 years, disability pensions or pensions on reaching a certain age);</li>
<li>income from running your own business;</li>
<li>other.</li></ul>
Periodic income is irregular and in most cases is a one-time receipt of money into the family budget. This category includes:
<ul>
<li>gifts;</li>
<li>bonus payments;</li>
<li>one-time social payments;</li>
<li>lottery winnings;</li>
<li>other.</li></ul>
When recording income you need to take into account all the categories of income listed above (except when the budget is kept separately). An important role in forming the budget is played not only by recording but also by distributing income. Whichever method of distributing income you choose, keep in mind that only regular income should be used to cover expenses. As for irregular and one-time receipts, it is best to use them to top up the reserve, savings and target funds of the family budget.

Such a distribution lets you build a system in which planned and actual expenses correspond to each other, because the family budget will have a specific sum within which costs must be made.
At the same time, recording and properly distributing one-time receipts will let you increase the funds that help improve and stabilize your financial state. Thanks to this you will be able to achieve your set goals much faster, whether they are financial or simply material.

It should be noted that there is also a practice of recording gifts in kind at their monetary equivalent. This is possible if you are saving for a new TV and your friends, knowing this, give you one as a gift. In that case the money you have saved can be moved to another fund, simply put – set aside for other purposes. But the main thing is not to try to spend the freed-up sum immediately.

<a href="/en">Online home accounting</a> has the most convenient forms for filling in the income side of the family budget.

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