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Money


HOW TO COPE WITH THE COSTS OF A LARGE FAMILY

Whether you have lots of children, cousins, siblings or in-laws, there are many
costs which come with being part of a large family. It can seem like you are
always trying to figure out how to afford different things. It will always be
trickier than if you have a smaller family, but there can be ways to make things
easier.

Get everyone to contribute


It can be helpful to get all of the family to contribute to things if they can.
So, if you are having a get together with extended family then if everyone
provides something towards it then the cost will be spread between them. In your
specific household, it might be necessary to get older family members to work so
that they can pay money in to cover their keep. If they are too young to work
then perhaps, they could help with household chores while other family members
work. Letting children understand that money is an issue can also be useful.
They might understand more and be less demanding with regards to things that
they want, if they know that you cannot afford as much as other families because
your is so big.

Have no present pacts


A big expense with larger families can be buying gifts. Whether you have lots of
children, aunts, uncles, cousins, siblings or whatever, if you want to treat
them all then it can get really expensive. It might feel like there is always a
birthday present to buy or a celebration to contribute towards. It can be
helpful if set up a no present pact with some people. It will probably not be
something you want to do with children, but you could have an agreement that
grown-ups do not do gifts, they just do gifts for the children or that you have
a specific budget. It can be really tricky if one person pays a lot of money and
others feel they have to keep up with that. If they will not agree to a budget
then it could be worth just doing what you can afford and not trying to keep up
with them.

Keep luxuries to a minimum


Treating ourselves can be a lot of fun. If we work hard, we will feel that we
deserve some nice things. However, if you have a large family then luxuries can
be difficult to afford. It can therefore be worth thinking about what you can do
instead of buying these. Some treats are free. Perhaps borrowing a good book
from the library, having a nice peaceful walk or visiting a local free art
gallery could be great treats too. It is good to think about things that are
free that you all enjoy so that you do not have to spend money to find things to
do.

Track spending carefully


If you keep a good track on what you are spending that will help you to make
sure that you are not buying unnecessary things and also not spending more than
you can afford. It can really help to see exactly where all of your money is
going as you may quickly start to change your shopping habits. You might also
start comparing prices as well. This will allow you to cut down spending in some
areas which will be useful. Just knowing what you are spending can be a good
place to start so that you are able to prioritise what you really need and what
may not be so important.

Set a tight budget


It might also be useful to set a really tight budget. This will allow you to
make sure that you do not overspend. If you do not, it could mean that you will
end up running out of money before you are next paid and having to get a loan.
Although a loan can be useful in many circumstances, it is much better to plan
well before getting one and make sure that you can afford the repayments rather
than just going overdrawn and paying a very inflated price for it.

It can still be very tough when you are trying to afford everything. It might be
that you will have to look at the possibility of getting a better paid job so
that you can manage. This might mean that you will have to work more hours and
therefore will have less time to spend with family. However, it could be worth
it, if this means that you are able to afford everything that you need to buy.
It could be about finding the exact balance between getting enough money and
having a good quality of life. It can be a very tricky balance to sort out, but
if you are careful with spending as well, you will hopefully be able to make it
work out for you and your family.

admin on How to Cope with the Costs of a Large Family
Money


HOW TO PLAN FOR A COSTLY WINTER

There are times in our lives when we should think hard about saving money to
prepare for the future. This can be because we know that there will be expenses
that we will need money for, perhaps buying a new car, saving up for a mortgage
deposit or starting a family. However, many of us do not think about the smaller
things which might also mean that we struggle financially. It can be wise to
have a think about these things as well as it may mean that we will be able to
avoid borrowing money unnecessarily as a result. One of these things could be to
save up for the winter.

Why the importance of saving for the winter?


In the winter we often have more expenses that perhaps at other times of the
year. There are many reasons why we might spend more. Firstly, as it is colder
in the winter, we will spend more money on heating. This can make a huge
difference to our fuel bills. We may also use the lights more and be more likely
to have hot meals and oven cooked food and so all of these things will add to it
as well.

If we celebrate Christmas or other holidays at this time of year, then there may
be gifts to buy. We also tend to either eat more food or buy more luxurious food
and drink which means that we have to find money to pay for this. We may also
travel to see people more and may even buy new clothes for parties or outings.

With the weather being colder and wetter we will tend to use the car or public
transport more often when travelling. It is not so attractive to cycle or walk
to places when it is like this. This means that we might be paying out more of
fuel as well as wear and tear on the car, if we are driving more.

All of these extra costs mean that it is a time when we are likely to spend more
money and therefore saving up for this time could be wise. It will mean that we
will have some extra money to fall back on if we need it and that will allow us
to avoid having to worry so much about how we will pay for everything.

How to save up


Saving for winter will need to take place before winter comes. This means that
we will need to start thinking about it early. The very best plan would be to
start as soon as winter is over so that you have all of spring, summer and
autumn to save up money.

It can be wise to calculate exactly how much money you will need for this time.
This could mean that you will need to add up how much that extra spending might
come to. If you have previous bank records then you may be able to calculate how
much this will be. Otherwise, you might be able to make a good estimate by
thinking about what you need to buy and how much it might all cost. You could
look at past utility bills or online records to see how much extra you spent and
also think about how much you spend at Christmas. You might know roughly who you
buy things for and how much you spend on each and then if you add in extra for
wrapping, postage and cards, you will be able to work out exactly how much you
will need to put by.

Once you have a total, it could be worth dividing it by the number of months you
are saving for. Then you will be able to know how much you need to aim to save
up each month.

Where to find the money


If you do not have a lot of spare money each month then it can be difficult to
work out how you will manage to save this extra money. It will be worth it
though as you will need to find the money eventually, even if you borrow it and
repay it later. There are basically two things that you can do to get more
money. One is that you can spend less money and the other is to earn more. It
might be that you will be able to do a combination of these to have a bigger
impact. It can feel hard to do either of these but they may not be as tricky as
you think. Try comparing prices and make sure you are paying out more than
necessary, go without a few things that you do not need and do not bring you
loads of pleasure, see if you can pick up a bit of freelance work some online
work or something like that. There are lots of opportunities to try out things
that might help. It can actually be fun to change things about, do something
different and have the satisfaction of knowing that you have the money that you
need well in advance of the winter.

admin on How to Plan for a Costly Winter
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