A simple effective model of charge ordered and (or) magnetically ordered insulators is studied. The tight binding Hamiltonian analyzed consists of (i) the effective on-site interaction U, (ii) the intersite density-density interaction W and (iii) intersite magnetic exchange interaction Jz (or Jxy) between nearest-neighbors. The intersite interaction are treated within the mean-field approximation. One shows that the systems considered can exhibit very interesting multicritical behaviors, including among others bicritical, tricritical, tetracritical and critical end points. The analysis of the model has been performed for an arbitrary electron concentration as well as an arbitrary chemical potential in the limit of strong on-site repulsion. The phase diagrams obtained in such a case are shown to consist of at least 9 different states, including four homogenous phases: nonordered (NO), ferromagnetic (F), charge ordered (CO), ferrimagnetic (intermediate, I) and five types of phase separation: NO-NO, F-NO, F-F, CO-F, CO-I.
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