Let's start with the fact that there are several types of family budget distribution:

joint
joint-separate
separate
Therefore, all distributions of expenses and incomes are based on the type of budget. However, I suggest the following principle by which you can diagnose and analyze your family expenses.

Assess cash flows. Calculate the specific amount of money you earned in the past year, the last six months, and the amount you receive monthly. If income is not stable, fix the minimum amount you are sure to receive, as well as the average monthly amount.

Assess your real-life needs. Make a list of everything you need to live (food, housing, household appliances, leisure, etc.). According to the expenses for this list, distribute them by months and consolidate the inflows and outflows for these needs. Determine future ways to meet these needs and calculate the real annual financial requirement.

Distribute existing cash flows. Once you have assessed the cash inflows and outflows for real-life needs, start distributing surplus funds. Specifically, allocate a specific amount to form a monthly financial asset to build future capital. In a family budget, it is important to consider the hobbies and necessary expenses of each family member. However, an investment budget should include a significant amount of savings for the family's future.

Control current expenses. The budget will not be in order until one or both family members take control of it. There is one problem that needs to be agreed upon - "expensive" and "cheap". It is important to come to a common understanding of these concepts and make decisions accordingly. Controlling current expenses is important and gives confidence that "money has gone for its intended purpose."

For newly created families, it is essential to develop a single, joint financial distribution that will help avoid conflicts, misunderstandings, and resentment.

P.S. Most of my clients are young couples with whom we form and distribute their budget. I teach financial literacy and help them develop strategies to manage their finances effectively.