1. Make a list of expenditure allocations that are definitely in number
You yourself know what expenses you usually make for one month. You only need to make a list, then you subtract the amount of expenditure from the salary you receive.
Because this expenditure is permanent, you can no longer interfere with the amount, unless there are sudden things.
Examples of these expenses are rent fees, one-month transportation costs, vehicle service fees, credit fees, insurance costs or other fees which are fixed amounts.
Remember, insurance is an important thing that you must have when you start living independently and is an investment choice that can help you if there is a disaster that befalls.
2. Make a list of needs that must be purchased
Remember, needs are not desires. Means here you have to be concerned with buying goods that you need that have run out and must be refilled.
Usually for those who work while shopping, they certainly have a list of items that are included in the monthly shopping list, especially daily necessities.
For those of you who are still living with your parents, you must have the needs of personal items even though not as many as those who stick around.
You must make a list of these needs as detailed as possible. You also have to determine what amount you have to buy and the estimated price of the items, so you can also determine the maximum amount you have to spend on monthly expenses.
3. Allocate savings at the beginning of the month
For those of you who want to save, it's a good idea to allocate some of your salary to save as soon as you receive it.
The amount of salary you save can be adjusted according to your other needs. It would be better if you can set aside a large amount so that you can press your personal expenses.
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Salary Adjustment
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