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One of the biggest mistakes when keeping a family budget is that this process is usually run by one person, while everyone takes part in carrying it out. So it is important that all family members take part in planning.

Everyone needs to think through and decide on their needs for the current period in advance. Then, after analysing, adding up and determining the ratios of the income and expense sides, a "family council" needs to be held again. All family members must be told about the restrictions that will be introduced for this period if necessary.

One method of financial planning is to draw up expense items separately for each family member. In some cases this is more profitable than the standard method.

This method is useful not only for raising the economic level but also for educational purposes. Such planning means that each family member must know their financial limits. This will accustom children to planning later in adult life.

It is also important to keep regular records of costs. For this it is best to check at the end of the day how much money was spent and on what, and then enter it in the balance. Do not forget that simple recording and planning are not enough to improve your situation. You need to take active measures. If funds are short, it is important that all able-bodied persons in the family are employed.

You can also pay attention to various methods of saving. In most cases a change in financial situation requires a radical change of habits. But keeping track of the movement of funds lets you do this more gently. For example, if most of the money is spent on transport, it is best to choose the most efficient route, which will let you reduce costs.

It happens that a family sometimes has lunch and even dinner away from home, which significantly increases costs. Where possible this can be avoided. Home-cooked food is not only nutritious and healthy but also more economical.

Experts name several ways to save on utility payments. For example, water can be saved by fitting aerators on taps, which reduce the flow. Take care to keep windows clean; this is not only aesthetic but also reduces electricity costs by making full use of natural light during the day.

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