To date, the family is assessed by the level of financial situation. It reflects income and quality of life. In many respects, the sphere is associated with the profession, the payment of social assistance and other factors. The financial situation is evaluated almost everywhere: at school, at work, in kindergarten. It is also important when assigning various payments.
Many families do not have enough income, so in most regions there is a provision on material assistance. It provides an opportunity to receive benefits in case of difficult situations. Additional payments are provided to large and low-income families , unemployed citizens, people with disabilities and other social groups.
Family budget structure
The financial situation of the family is estimated by the income that all members receive. Also, costs that are expenses for the necessities of life are important here. Income consists of cash received in the form of salaries, benefits, alimony, pensions, interest on deposits. Relatives help some families.
Costs are the means necessary to ensure a comfortable family life. Spending is constant and unforeseen. The former include regular payments for housing, services, and studies. It is constantly necessary to spend money on food, medicine, household products. Money is regularly needed for recreation, entertainment, holidays.
Unforeseen are those expenses that appear unexpectedly in the family, but you cannot do without them. For example, emergency treatment or a routine medical examination was required. Also, spending may be necessary due to the breakdown of some equipment. This is the basis for the material situation.
Features of the calculation of the financial situation of the family
Family affluence can be calculated based on the income of its members. The calculation takes into account wages, part-time jobs, scholarships, allowances, alimony. Each type of income has its own specifics of transfer specified in the law. Cash may be received by bank transfer or in cash.
The level of material wealth is confirmed by payment documents indicating the receipt of funds. For example, if a person receives a salary on the card, then the statement will serve as proof of a steady income. The same goes for savings books. These methods confirm the solvency of a person.
Competent cost sharing
It is necessary to determine the expenses that occur every month. If data is recorded, this process can be easily controlled. It is necessary to indicate the costs that you can refuse, and those that are necessary.
For those who want, it is advisable to have several envelopes where you should put the money. This will allow you to spend money economically.
Payments
Whatever the financial situation, it is necessary to pay mandatory payments. Only low-income families can be granted incentives for such expenses. For example, in the form of a reduction in amounts. Mandatory payments include:
- utilities;
- loans
- other payments.
You need to calculate how much it takes for a month. Such services should be paid immediately, without accumulating debts.
Household expenses
The material situation of a person determines the possibility of acquiring goods of different quality. Household expenses include food, medicine, and hygiene products. They should also be controlled so that there are no unnecessary expenses.
There are also proven ways to save. For example, it is much cheaper to cook food at home than to buy it ready-made or eat in a cafe. Moreover, homemade food is tastier and healthier.
Stock
If unforeseen expenses often occur, it is advisable to have extra money. They can come in handy on vacation, shopping, repairs. Funds are also needed to educate children.
It is advisable to deposit spare money in a bank account or a book. This will save them for a long time. In addition, they accrue interest.
The salary
Income is assessed by wages. Usually this type of income in each family is considered the main. It is received by all able-bodied citizens, including adolescents.
Wages are considered remuneration for wage labor. Its size is determined by many factors. Typically, the amount affected by the position, as well as work experience. Often the financial situation of the employee is not satisfied, and he is looking for other ways to generate income.
Business activities
Many citizens move from their main job to entrepreneurial. Having opened a profitable business, you can adequately provide for your family. The main thing is to work hard.
Revenues from this activity are counted towards the family budget. Moreover, it does not matter whether the work is carried out independently or with the help of hired employees.
Scholarships
Another source of income is scholarships paid to students and cadets. As a rule, they are issued to students of free departments. Although this income is small, it is still included in the family budget.
Help
Like expenses, revenues can be unpredictable. For example, relatives can help the family. Although such income is not fixed anywhere, yet it is part of the family budget.
Who is provided with such assistance? Usually young families and elderly parents are in dire need of it.
Property Income
Family income consists of another interesting point - the sale of property. Only this applies to those cases where there is additional property. You can also earn income from it, which may become permanent.
Funds received from the sale of property are also considered family income. For example, you can rent an apartment, garage, house. Money from the sale of property is contributed to the family budget.
Benefits
Due to the difficult financial situation, many families cannot afford basic means of living. Benefits are also paid to many social groups, which are also considered part of the family budget.
Benefits are paid to low-income families. Only in this case, documentary evidence is required that the income is less than the subsistence level. Then the family has the right to receive cash. Financial assistance may be available.
Unemployed citizens are also paid benefits. It is only necessary to register at the labor exchange. Additional payments are due for pregnancy and childbirth, as well as for child care. Provided by their employers and social protection authorities. Disability benefits are also provided, and they are paid to adults and children.
Pensions
Family income includes a benefit such as a pension. Cash is paid in old age when a person is disabled. In Russia, men retire at age 60 and women at 55. There are social groups whose retirement age is reduced. For example, military personnel begin to receive such benefits earlier.
Pensions may be paid on disability. Amounts depend on the severity of the disease. This is usually determined by medical tests, according to which the documentation is issued.
Pensions are accrued in the event of the death of the breadwinner. Allowances are paid to children until adulthood, and then automatically cease. Pension in this case will serve as the main source of child support, and its size is determined on the basis of legislative documents.
Alimony
Family income includes alimony that is paid to the child by one of the parents in the event of a family breakup. They can also be approved for the spouse, for example, when caring for a baby up to 3 years. This income is spent on the maintenance of the mother and child.
Alimony can be approved in a fixed amount or in the form of interest. It depends on the former spouses how they will determine the payments - by mutual agreement or through the court. Alimony is also accrued in marriage when there is no necessary income to ensure the normal life of the child.
Such payments are provided by children for the maintenance of disabled parents, if the latter went to court. Then a fixed amount of alimony is approved.
Inheritance
The main incomes are quite different. But not all items can be found in every family, since this question is individual. Revenue includes inheritance funds.
If someone has made a gift or inheritance, then this can serve as a source of profit. And it doesn’t matter who exactly this is framed for. As a rule, an inheritance in the form of property begins to be realized, which is an important source of income.
Side job
When there is little money from the main income, they look for an additional source. It can be a part-time job. It is official and not. Often the side job provides significant financial assistance to the family, especially with financial difficulties.
All sources of income determine the material condition of the family. It allows you to evaluate the quality of life of people. Often, surveys are conducted to assess the situation in order to determine the wealth of different social groups. All families have different situations, which affects their life in general.