Tips and tricks for managing your household budget
Mothers need to be careful when applying methods of managing their household budget. Regardless of your monthly budget or salary, you need to manage your finances properly so that you can meet your key needs.
If you're still confused, this time Kania will share tips and ways to manage your household carefully so that your daily needs and all of your family are met at a later date. See the full review below!
Know the difference between needs and desires
The first way to manage your household is to know the difference between your needs and wants. As a housewife, of course you need to know what are the main needs that must be met each month. This is because many people cannot distinguish between needs and wants, and monthly budget allocations can be used to fully meet their wishes.
Therefore, always try to do the way to manage your household by meeting your main needs first. The rest of the budget can then be used to meet personal needs.
List the main monthly costs
The next way to manage your household is to list your main monthly expenses. This method of managing your household is very effective because it helps you find your main spending priorities each month and allows you to use more disciplined and regular funds.
You can do this way of managing your household by writing down what the main costs are. For example, daily meal costs, shopping costs including groceries and kitchen utensils that need to be replaced, electricity and water costs, transportation costs, and education costs if you already have children.
Calculate all monthly income
You can also manage your household by calculating all your monthly income. This calculation includes not only income in the form of salary from work, but also other income such as return on investment and profit from opening a business. This way of managing your household is important so that you can divide your income allocation into priority needs that need to be met each month.
Always use your credit card wisely
You must always be wise when using a credit card or loan when doing how to manage your household Deferred payment Currently trending E-commerce.. Always use the above two payment methods wisely and do not use them for consumer shopping. You will have to pay in installments later, which of course affects your monthly costs.
Prepare emergency funds
In addition, you can manage your household budget by providing emergency funds. You need to know, so that the availability of emergency funds can help you in the event of undesired things such as hospital costs, leaking roof repairs, and even temporary dismissals. Not everything can go straight as planned. Therefore, you have to do a way to manage your household by allocating about 10 to 30 percent of your monthly income for emergency funding.
Don't forget to invest!
Kania not only allocates funds to emergency expenses to manage households, but also advises those who have the remaining funds to use them as investment funds. You can save these funds for savings or invest in a variety of potentially profitable means, such as real estate investments, investment trusts, and gold.
As a wise mother, of course, you have to do a way to manage your household budget. That way, your major monthly needs can always be met. In addition to the tips and methods for managing your household budget above, find a variety of other interesting information and inspirations through Dekoruma!
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Source : http://i0.wp.com/www.dekoruma.com/artikel/123725/cara-mengatur-keuangan-rumah-tangga
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