Do you regularly have a hard time paying off or do you manage your family finances like fish in water? Take a simple test and see where you stand. And how did you do the test? Do you have a proven method for better spending planning and not spending unnecessarily?
Do you put any part of your salary aside each month?
a) Only irregularly when we get along (2 points)
b) Yes, it is always necessary to have some financial reserve (3 points)
c) Never, from my salary it is impossible (1 point)
Would you be willing to take a second job if necessary?
a) No, it doesn’t pay off for the few extra peel (1 point)
b) I can’t manage now, just no (2 points)
c) Sure, every crown is good (3 points)
How would you deal with a prize of CZK 20,000?
a) Save it for worse times (3 points)
b) Suitable for family holidays (2 points)
c) New clothes, computer, tablet – that’s how many things we need (1 point)
In family finance management, you are moving around with an overview of the old skimmer. You never spend wasted and plan all expenses in advance. Therefore, you have a reasonable financial reserve and no unforeseen situation should surprise you. Keep it up!
Although you know well that there is something to improve and you are trying to, sometimes you spend money on something you cannot afford at the moment. We recommend focusing on unnecessary spending and planning even better.
Making you a family budget manager would be the same as making a goat a gardener. Most of the time, you don’t know how to plan your expenses and probably don’t even know what you’re buying for your money. Stop spending nonsense and start getting a detailed list of what you are buying for and how much.