How to Organize Family Finance

Here is a family financial management prevailing in the community:

 Governed entirely by the family finances Housewife (wife), husband to hand over all their earnings to their wives to be managed, and the husband usually just ask for a 'quota' for everyday personal use.

 Family finances be fully controlled by families (husband), the wife will only get the money for household expenditures daily

 Finance arranged with the family, usually the way it applies to the husband and wife work and financial arrangements applicable under an agreement where the items that are part of the husband and posts which become part of the wife. Example, the husband is responsible for paying school fees, electricity bills, water, car payments / motorcycle and so on. While the wife is responsible for the day-to-day shopping needs.

If you want to discuss the management of the family finances then we need to know in advance about sources of income received by the family, because different sources of income are also different ways to set it. By their very nature there are two types of sources of income, sources of income that are fixed and not fixed sources.
Fixed Income Sources
Called fixed because the income received is fixed, there are remains of the number and time, but some are still only in terms of time
1. Fixed in amount and time, meaning that every month will receive income families with the same number and the same time, for example, an employee has a salary of Rp. 5 million per month which is received every 25.
 2. Remains only in terms of time, means income received each month on the same date, but the amount of income each month is not the same. This usually applies to people who work in marketing, which is calculated based on commission income.
Source of Income Variable
Called did not stay because of the amount of income received is not always the same and even the time of acceptance can not be ascertained. The easiest example to illustrate this source of income is not fixed entrepreneur or contractor.
To be able to find how to set family finances based on source of income so it's good we study the behavior of financial managers in managing family finances family available today:
There are keep records of income and expenditure in detail so that the financial manager can calculate the amount of expenses for one month and can be evaluated if there are expenditure items that are not needed.

     When receiving a salary, there is a direct suit separates expenditure items, such as for grocery shopping, for school purposes, to pay the electricity bill, water etc. and the rest for the unexpected.

     There also are not having good planning, money is issued as required at that time, if the salary is not sufficient until the end of the month, the additional funds were excluded from the savings. When you do not have savings, generally will use a credit card.
With practical reasons do not need to carry cash and can be paid next month, there are more happy transactions with a credit card, the payment of electricity bills, telephone until monthly expenditure made ​​by credit card. Not infrequently I met there who have many credit cards from different banks and the owners are very familiar with the maturity date of each, so the use of cards tailored to the maturity date

     There were collected every shopping receipts, paid receipts and  direimburst to the husband, except for the shopping to the market.

     For the self-employed, anyone doing business with the financial separation for personal / family but some are not, all purposes are taken directly from the operating funds.