Making out a food shopping list is not planning a food budget. Deciding what you will buy from the shelves helps with a grocery list, but budgeting takes more planning than that. Consider planning at least 3 meals ahead of time, so you do not impulse buy at the local super market. This also helps you get all your ingredients so you don't make numerous trips to get your dishes served to you and your family. If you are a single person, you could easily consider planning a week's worth of meals at a time to save even more. Do this for a week and observe the savings.
If you don't need it, the best idea for household expenses is to not buy it. Advertisements on television, your local bus transportation and numerous other areas prompt you to buy this and that even when you don't need it. Some of the rule of thumb can be exercised here. If you can't eat it or use it to live, you do not need it. This idea will free up a lot of funds you are now spending on gadgets and other unnecessary household items. If you put away a dollar a day for a refrigerator, by the time you need one, you will have most if not all the funds to buy that needed household item.
Get a big jar and begin putting change in there when you have it rattling in your pocket. You will be surprised how much will be saved in a short time. You will shortly have vacation money you never thought was possible after a year or two of saving. Now, you probably won't be going to Europe on that change, but a nice vacation can be yours by this saving idea. In a way a vacation budget will just mean dropping the coins in the jar and encouraging other members of the family to do likewise if they want to be a part of this vacation budget saving.
Refrigerator, stove, heater and other necessary items are called emergency expenses because most people need those items soon after one quits. Emergency budgeting can help out if the funds have been put aside for that emergency long before it is needed. Like any other emergency, your budget should include misc. area. This should be put aside as you do your insurance money and house payment. Don't touch this budget money except for those dire emergencies you must have. Once you take from it, begin your budgeting again for that next emergency in you life. They will come and will not be expected.
As soon as a couple have a child they could easily put a savings aside for the future of that child. Even if it is a dollar a day, it adds up and will bring the child a wonderful start to their future when they leave home and determine what they wish to do for their life. Look into insurances to plan for the future for a baby too. Some sort of savings will secure a nest egg for so many avenues for that child when they become an adult. A budget in this area will not break the household budget if it is done routinely and not touched.
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