한해 예산을 미리 짜 놓고 사는게 저의 절약 방법 입니다.

<div> <iframe src="http://www.bigvoice.co.kr/zzan/item/item_zzan2.php?idx=" border="0" frameborder="0" style="border: 0px solid rgb(255, 255, 255); width: 100%; height: 184px; border-image: none;"></iframe>  결혼한지 5년차 되는 맞벌이 부부 입니다. 남편보다 제 월급이 적어서 생활비로 사용하고 남편 월급은 대출 및 적금하는데 사용됩니다. 조금 더 여유있게 계획을 짜서 예산이 남으면 예금으로 묶어두고 급할 때 쓸 예정입니다. 한해를 미리 계획해서 산다면 충동 구매도 줄어들고, 돈 흐름도 파악할 수 있어 좋은거 같아요. 2016년 마무리 하면서 2017년 예산 계획 세워보시는건 어떨까요^^<table width="794" style="width: 596pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0"> <colgroup><col width="120" style="width: 90pt; mso-width-source: userset; mso-width-alt: 3840;"> <col width="98" style="width: 74pt; mso-width-source: userset; mso-width-alt: 3136;"> <col width="72" style="width: 54pt;" span="8"> <tbody><tr height="47" style="height: 35.25pt; mso-height-source: userset;"> <td width="794" height="47" class="xl67" style="border: 0.5pt solid windowtext; width: 596pt; height: 35.25pt; background-color: transparent;" colspan="10">2017년  예산 계획서</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">고정지출비</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;">기본생활비</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">40(매월) * 12 (현금)</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">480만원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;"> 남편보험</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">27(매월) * 12</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">324만원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; background-color: transparent;" rowspan="3">부인 보험</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">변액 30(매월) * 12</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">360만원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">우체국 2.4(매월) * 12</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">288000원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">현대 3.2(매월) * 12</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">384000원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;">아이 보험</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">삼성 6(매월) * 12</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">720000원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;"> 어린이집</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">15(매월) * 12</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">180만원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;">예비비</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">20(매월) * 12 수협 (경조사, 생신, 휴가비용)</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">240만원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">합계</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">1,723,2000원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">변동지출비</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;">휴대폰요금</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">남편(6만원) 부인(42000원) 약 11만원*12</td> <td class="xl64" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext black; background-color: transparent;" colspan="2">132만원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;">도시가스</td> <td class="xl64" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext black; background-color: transparent;" colspan="6">4(평균)*12</td> <td class="xl64" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext black; background-color: transparent;" colspan="2">48만원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;">관리비</td> <td class="xl64" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext black; background-color: transparent;" colspan="6">13(평균)*12</td> <td class="xl64" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext black; background-color: transparent;" colspan="2">156만원</td> </tr> <tr height="46" style="height: 34.5pt; mso-height-source: userset;"> <td height="46" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 34.5pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;">잡비</td> <td class="xl64" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext black; background-color: transparent;" colspan="6">10만원 * 12</td> <td class="xl64" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext black; background-color: transparent;" colspan="2">120만원</td> </tr> <tr height="39" style="height: 29.25pt; mso-height-source: userset;"> <td height="39" class="xl63" style="border-width: 0px 0.5pt 0.5pt; border-style: none solid solid; border-color: black windowtext windowtext; height: 29.25pt; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0px 0.5pt 0.5pt 0px; border-style: none solid solid none; border-color: black windowtext windowtext black; background-color: transparent;">　</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="6">합계</td> <td class="xl63" style="border-width: 0.5pt 0.5pt 0.5pt 0px; border-style: solid solid solid none; border-color: windowtext windowtext windowtext black; background-color: transparent;" colspan="2">456만원</td> </tr> <tr height="49" style="height: 36.75pt; mso-height-source: userset;"> <td height="49" class="xl63" style="border: 0.5pt solid windowtext; height: 36.75pt; background-color: transparent;" colspan="10">총 합계 : 2,179,2000원</td> </tr> </tbody></table> </div>