Budgeting Monthly Expense For Family

 As we know that budgeting the family financial is very difficult for some moms. Sometimes she do not have enough money until in the end of the months.

So, how to budgeting monthly expense for family? all moms in the world will not waste his money fastly for something unimportant if they know how budgeting treatment.

It is not easy but little bit difficult to apply this way to budgeting monthly expense. However, do not say it is difficult before applied.

Budgeting System In The Family

Let's divided the budgeting system in the some step so that easy to understand. Before applied this step, moms have to look at the financial system. It is appropriate or not.

Read also: Kids Preparation School

However this budgeting step has so much benefit for family to make the financial monthly become efficient than before.

1. Saving firstly after getting salary or get some money from husband. Separating money for saving and for monthly budgeting is good decision.

2. Moms should have two bank account, the first is for saving and the second is for monthly expense.

3. Do not use money from saving bank account. Moms only use money from monthly expense bank account.

4. Focusing in the amount of money for monthly expense, moms can separate again into some expense or just having daily budget. For example eighty thousands rupiah for a day.

5. Moms is already decided daily budgeting. It is about eighty thousands rupiah. Daily budgeting consist of food from morning till night, meal, etc.

6. Moms can count daily budgeting based on the region economic condition. That was because every area has different condition.

7. Do not spend money more than eighty thousand rupiah for a day.

8. Moms should always check the rest of money in the expense bank account. Do not make deficit condition. Always remember about daily budgeting.

9. In the last months, if there is money still available in the bank account of monthly expense, moms can use it for buying something as self reward or just save it in the saving bank account.

10. For example there are three hundred thousand rupiah is still available, one hundred thousands is for traveling and the rest is for saving.

All step above is difficult but let's practice it every months, moms will not waste their money for something unimportant.

The key is in the self reward. Do not make the money for self reward in the first month. Just make it in the last month so that the budgeting monthly expense is efficient.

Generally, moms can applied the step above in different financial condition. Saving first, set the daily budgeting and the last is consistent with the step! okay, let's try.