Example of the personal financial plan (MD.Denisov)
Hello. In this article I want to be divided the experience of personal financial management. I will make a reservation at once, that does not apply on the rank of champion in a nomination "Personal finances", but hope that the example of the personal financial plan presented below will be a meaningful contribution to the general money-box of wisdom.
I am 30 years old, live in town Kiev (I take off an apartment), married, work as an engineer-designer.
Polish the system of the financial planning and account 7 years. In this example speech will go about a management facilities got one time per a month as a salary.
The system passed 3 stages:
1. Neat account - when I simply fixed all of the charges from a moment the receipt of salary and began to see clearly where a money leave.
2. Planning of charges. Working and fulfilling the financial plan.
Since the general structure of charges became clear, I beginnings to systematize them on the articles. It enabled to work out a first financial plan on a future month and begin its implementation.
3. Capitalization is the stage of planning of charges + accumulation of financial resources for financial growth.
I did all in an order to be not likened to the heroes of that old joke: "Third year I eat in the same restaurant, and think where does a money leave?"
Here the articles of expense, which I foresee in the monthly budget:
Investing (in liabilities, assets and in myself)
Health and stomatology
Maintenance of physical form
Vacations, journeys on rest
Vocational training (books, seminars, trainings)
Capitalization of resources (deposits and etc)
Obligatory spending (on possibility to minimize)
Fare is in a public transport
Personal expenses (on possibility to minimize)
Entertainments, artistic books, disks, newspapers, magazines
Gifts, decorations, festive measures
Clothes, shoes (bought one time per a quarter)
Dinners in the workplace (tea, sugar, bananas, sweetness, sandwiches)
Expenses on a motor scooter (stand and fuel)
Other (minimum expenses)
Charges register in a mobile telephone in ordinary report, enter charges right after a purchase on the articles.
I note planning in Excel - 2-3 times per a month. After the receipt of salary open a file- logbook, add a new sheet (new month) and convey optimization in obedience to my vital plans on the nearest month.
I lay out money on envelopes-articles. For payment of necessary services and products I led the special purse with registers, in registers inserted the special colored delimiters and signed them a marker on the necessary items of expenses.
At the purchase of necessary commodities I take money from a register intended for these charges. The similar system disciplines and enables confidently and comfort to feel during a month and includes all of necessary charges (including unforeseen).
That is all actually.