Balancing the family budget

It often falls to the lady of the house to balance the family’s budget and ensure there is enough in there for all the bills to get paid, for food, for fun with the family, and enough to cover any other unexpected costs that may pop up. Of course, unless you have a hugely generous budget getting things to balance can seem like a constant struggle. Happily, I have some tips that can help make things easier in this area. Keep reading to find out what they are.

Dealing with emergencies

First of all, if you think that you won’t encounter any unexpected costs or financial emergencies at some point or another, you are misguided. After all, life does tend to throw things at us, often at the most inopportune times.

Therefore it’s useful to have a plan of action in place in case you do get landed with a cost that you aren’t prepared for. For some folks, this will be uses money they have previously saved. However, it may also be necessary to take out a small loan or amount of credit to cover the immediate cost.

However, if you have a poor credit rating, such a loan may be difficult to secure. That is unless you go for a provider that can offer a bad credit short term loan to you. Something that can help get you out of a fix, and then be paid back quickly.

Saving pots

Another great tip when it comes to balancing the family budget is to have different pots for savings. These can be physical pots or folders, or virtual ones that link to your bank account online. The idea behind this is that you can much more easily see your progress toward a particular goal.

Also, by doing this, it can stop you from overspending and eating into money that would be of more use to the family saved.

Planning fun ahead of time

Next, if you want to get good at balancing the family budget, getting organised can really help. In particular, if you start to plan and book in which activities you will do for family fun time, it makes it much more simple to budget ahead of time for these.

In fact, booking such things in for the future can also act as a great deterrent for impulse buying things like takeaways and other unnecessary things that just drain money. Then you will know, there is something good to look forward to coming up that you need to preserve finances for.


Shopping frugally

Lastly, when it comes to balancing the family budget, it can make a considerable difference to start frugally shopping for groceries.

Luckily, there are several tactics you can use for this including shopping with the offers, as well as using coupons and vouchers. Oh, and don’t forget that batch cooking and freezing meals can make a huge difference when looking to save money in this area as well. Something that can make balancing the family budget much more straightforward.

Balancing The Family Budget

Mum Muddling Through

Award-winning writer, blogger, social media consultant and charity campaigner. Social Media Manager for BritMums, the UK's largest parent blogging network Freelance clients include Firefly Communications and Save the Children UK. Works with brands on marketing projects. Examples include Visit Orlando, Give As You Live, Coca-Cola and Kodak. Cambridge Law graduate with many years experience working across three sectors in advice, media relations, events, training and project management. Available for hire at affordable rates.


  • diapersatdawngmailcom

    I always prefer to do my food shop online, I feel like I’m a little more controlled than when I actually go into the supermarket and end up getting sucked in to special offers that are scattered around! #coolmumclub

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