To date, the family is ranked by levelfinancial situation. It reflects income and quality of life. In many ways, the sphere is related to the profession, the payment of social assistance and other factors. The financial situation is estimated almost everywhere: in school, at work, in kindergarten. This is also important when assigning various payments.
Many families do not have enough income, so inMost regions have a provision on material assistance. It provides an opportunity to receive benefits in the event of difficult situations. Additional payments are provided to large families and low-income families, unemployed citizens, disabled people and other social groups.
The financial situation of the family is estimated byThe income that all members receive. Also, costs are important here, which are expenditures on the necessities of life. The income consists of money received in the form of wages, benefits, alimony, pensions, interest from deposits. Some families are helped by relatives.
Expenditures are the means necessary forensuring a comfortable family life. Wastes are permanent and unforeseen. The first include regular payments for housing, services, study. It is always necessary to spend money on food, medicine, household products. Money is regularly needed for rest, entertainment, holidays.
Unforeseen is called such expenses, whichappear in the family unexpectedly, but you can not do without them. For example, urgent medical treatment or a routine medical examination was required. Also, you may need to spend money because of a breakdown of some equipment. On this the material situation is built.
The family income can be calculated on the basis of incomeits members. The calculation takes into account wages, subsistence, scholarships, allowances, alimony. Each type of income has its own specifics of transfer, indicated in the law. Cash can come in cash or in cash.
The level of material prosperity is confirmedpayment documents, indicating the receipt of funds. For example, if a person receives a salary on a card, the statement will serve as proof of permanent income. The same goes for savings books. Such methods confirm the solvency of a person.
It is necessary to determine the costs that occurevery month. If data is recorded, then this process can be easily controlled. It is necessary to identify the costs that can be waived, and those that are needed.
For the desired it is desirable to have a few envelopes, where to spread the money. This will allow you to spend your money sparingly.
Whatever material situation may be,it is necessary to pay compulsory payments. Only low-income families can receive benefits for such expenses. For example, in the form of a reduction in amounts. To obligatory payments carry:
It is necessary to calculate how much it takes a month. Such services should be paid immediately, without accumulating debts.
The material position of a person determinesthe opportunity to purchase goods of different quality. To economic expenses carry products, medicines, means of hygiene. They should also be monitored so that there is no unnecessary waste.
There are also proven ways to save money. For example, it is much cheaper to cook food at home than to buy it in ready-made form or eat in a cafe. Moreover, home food is tastier and more useful.
If there are often unforeseen expenses, it is desirable to have spare money. They can come in handy for rest, shopping, repair. Funds are also needed for the education of children.
It is advisable to put spare money into a bank account or a book. This will save them for a long time. In addition, they accrue interest.
The financial position is estimated by salary. Usually this type of income in each family is considered the main one. It is received by all able-bodied citizens, including teenagers.
Salary is considered a reward forwage labor. Its size is determined by many factors. Usually the amount affected by the position occupied, as well as work experience. Often, the material situation of an employee is not satisfactory, and he is looking for other ways to generate income.
Many citizens from the main job go to business. Having opened a profitable business, it is possible to provide a decent family. The main thing is to work.
The income received from this activity is included in the family budget. And it does not matter whether the work is done independently or with the help of hired employees.
Another source of income is a scholarship,paid to students and cadets. As a rule, they are issued to students free of charge. Although this income is small, but still it is part of the family budget.
Like expenses, incomes can be unpredictable. For example, family can help relatives. Although such income is not fixed anywhere, it is still part of the family budget.
Who is given such help? Usually, young families and elderly parents are in desperate need of it.
The income of the family consists of another interestingitem - sale of property. Only this applies to those cases, if there is additional real estate. From it, too, you can earn income, which, perhaps, will become permanent.
The funds received from the sale of property are also considered family income. For example, you can rent an apartment, a garage, a house. Money from the sale of property is paid into the family budget.
In connection with the difficult financial situation, manyfamilies can not afford basic means for life. Many social groups are paid benefits, 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 minimum. Then the family has the right to receive cash. Assistance can be provided in a difficult financial situation.
Unemployed citizens are also paid benefits. Only it is necessary to register at the labor exchange. Additional payments are made for pregnancy and childbirth, as well as for childcare. They are provided by their employers and social protection agencies. Benefits are also for disability, and they are paid to adults and children.
Family income includes such type of benefits aspension. Cash is paid in old age, when a person is disabled. In Russia, men retire at 60, and women retire at 55. There are social groups that have a retirement age. For example, military personnel begin to receive such benefits earlier.
Pensions can be paid for by disability. The amounts depend on the severity of the ailment. Usually this is determined by medical analysis, according to which the documentation is issued.
Pensions are calculated in case of death of the breadwinner. Benefits are paid to children before adulthood, and then automatically terminated. The pension in this case will be the main source of child support, and its size is determined on the basis of legislative documents.
The income of the family includes alimony thatare paid to the child by one of the parents in case of family breakup. Also, they can 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 the child.
Alimony can be approved in a fixedamount or in the form of interest. From the former spouses it depends on how they determine the payments - by mutual consent or through a court. Alimony is also accrued in marriage, when there is no necessary income to ensure the normal life of the child.
Such payments are also provided by children for the maintenance of disabled parents if the latter apply to the court. Then a fixed amount of alimony is approved.
The main income is quite different. But not all items can be found in every family, since this issue is individual. Income refers to the receipt of funds by inheritance.
If someone has issued a gift or inheritance,then it can serve as a source of profit. And it does not matter who it is designed for. As a rule, the inheritance in the form of property begins to be realized, which is an important source of income.
When there is little money from basic income,additional source. It can be a part-time in your free time. It is official and no. Often, part-time work provides significant material assistance to the family, especially with financial difficulties.
All sources of income determine the materialthe state of the family. It allows you to assess the quality of people's lives. Often, to assess the situation, surveys are conducted to determine the abundance of different social groups. All families have different situations, which affects their life as a whole.
</ p>
