Count All
Before coming to the supermarket, the first thing to do is to determine the list of items that we will spend in detail. So check first, deh, what goods are already sold out. Aja, kok, immediately make the list once we receive a salary.
If you can, then, complete the list of our operational needs with the price. If you do not remember the price, at least make an estimate. This is important so that when we are shopping already know what goods are prioritized and do not deviate to buy other items that are not necessary.
"The monthly fee requirement is called operational, and the entry into this list is not just personal care, but whatever is needed for a month. Distinguish between the needs of goods and services, ".
The need for goods, obviously like soap, food, or cosmetics. While the entry in the needs of services, among others, the cost of residence, laundry, electricity, daily transport, money pulse, gasoline, cable TV, dues in the gym, and others. Tuh, just realized, right, so far we do not include budget needs services in the list.
Weekly and Monthly
However, not all needs must be budgeted for a month. Not a few needs that can be budgeted every week. Usually, the weekly budget is used for non-durable meals.
"Food like bread, fruit, snack, and vegetables can be bought every week. But for those who can last for a month, should be bought once a month, "
To save better we should be a wholesale shopping. Because the price of goods sold wholesale tends to be cheaper. But that does not mean we can waste these things later. Its use should still be tailored to the needs.
"Shopping grosiran it does not make a loss if later it will be used. So before buying note the expiration date to determine the time of use and when can shopping again, "
It is also important to adjust the quality of goods with our ability. If the budget matches A brand, do not force yourself to buy another more expensive brand.
Operational Budget 30% -50%
Make a monthly shopping budget is fun-yes, lah, while imagining what will be bought, anyway. But when budgeting, do not forget the money that must be channeled into savings and home loans.
"The rule, once payday, 30% should be used to pay the mortgage or apartment, 20-40% is saved as a saving or investment, while only 30% -50% can be used for operational costs if it has a debt installment. If you do not have a debt installment can be more than 50% for operational costs, and make sure you keep saving each month "
Calm down, if this month our needs are indeed many, the operational budget to 50% provided we have set aside funds for savings of 20%. Looking at budget spending is already quite large, it should, hell, we do not break the savings again for shopping. You should also have an emergency fund of at least 3 times to 12 times the monthly expenses (depending on the number of your dependents in the family) therefore we must have an emergency fund by saving.
Weekend Spending
Often, the budget spending budget is not spent for operational expenses but instead for entertainment. Yep, we forget that spending to watch movies, recreation, eating out, nyalon, and karaoke should be included in the monthly spending budget. Whereas hanging out with friends or family is done every weekend.
"Make an account for rah-rah fitting weekend, but still adjust the amount of ability and needs. If our monthly expenditure budget is 30%, it means 10% can be deducted for weekend needs, whereas if the monthly spending budget is 50%, it means the budget is 15%, "
Monthly expenses will be easier to manage when using envelopes. Separate each budget by type in each envelope. The point is that we know the exact budget and can put the brakes on the bend if the budget is almost gone.
"Get used to bring cash on weekends and leave credit cards at home. Before using the money, check again if we really need to run the activity, "
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