The Money is Always Runs Out: How To Save It?

 How to save money in the context of household. Moms is always find this difficulties. Before the end of the months, the money is gone.

Actually to make household budgeting is not easy. There will always additional expense that runs out the money. 

This difficulties make money runs out fastly. Moms have to know how to settle and budgeting the money in every period.

Every family have different income. Family get income from monthly salary but the others like entrepreneur and seller will get daily income.

Monthly salary family can create monthly budgeting, but the seller that get money everyday can create daily budgeting. For example prepare daily expense for eating.

This article will provide the way to save money so that moms will not run the money fastly. Hopefully the tips will give so much benefit.

How to Save Money?

The way to save money is not easy but it will be easy if moms wanna apply this tips consistently. In the begin, it will not easy. Just try it, it will give so much benefit for family.

1. Moms should have more than one bank account

Bank account is needed to save money. Do not make all money in the cash form. Bank account will save money and moms just need cash depends on the daily needed.

2. Moms should divided the family expense

For example, there will be household expense for every months like milk for kids, water and electricity payment, school fee, etc. That expense cannot avoided.

Save the money in one bank for the expense above. The second bank account is for food expense family. Do not become one bank account both of expense.

3. Moms should have daily budgeting

After divided the money for every expense, use this tips (daily budgeting) for expense like food, eating and meal.

For example, moms decided the budgeting is around 80.000 for a day. Just use money in that amount, do not take more money.

If it is possible, moms can use money not more than 80.000 so that moms can save the money in the end of the months.

4. Moms will save the rest of money in the end of the months.

All expense is already paid, daily budgeting is enough. The end of the months moms can save the money if there is money available.

That's why moms can use not more than 80.000 to save money in the end of the months. In this case, moms need three bank account:

a. Bank account for family expense

b. Bank account for daily budgeting like food, meal, buy supplies, etc

c. Bank account for saving money

The tips above seems like difficult in the first trial but it has so much benefit so that the money will not run fastly before salary available.

The tips above can apply to family entrepreneur which has daily income. Actually it just divided the budgeting and expense depend on the family needs and do not buy more than budgeting.

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.

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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.