Your husband may be an employee who has low incomes compared to the average. With the high prices of today’s needs, it is certainly difficult for you to manage household finances, especially for those of you who live in big cities. Let alone provide for the needs of households for one month, sometimes the money can be waived salary in the middle of the month. Surely this happens because of your ability to manage finances that are less good. If you need emergency money, you can visit our website and get short term loans. Although your salary is small, you can actually manage your salary properly, here are some ways you can follow.
– Preparing a Monthly Shopping Plan
One of the reasons a person is lavish in shopping is when they follow impulsive shopping styles based on desire and not a necessity. To prevent this from happening, you should plan your monthly spending. Start from the amount of salary you can allocate to spend, say 50% of your income. Then, from that amount, make a list of the items you need during the month, from consumption to clothing. With a written budget, you can more easily control your shopping style and you can plan your expenses to reduce the risk of buying items you do not need.
– Finding Cheaper Spending Alternatives
Each expense must have a cheaper substitution, such as transportation. Suppose you are a career woman who always uses a motor vehicle to leave or leave work, replace this habit by using public transportation. Another thing you can save is your consumption. For example, your husband used to buy food from outside during lunch hour, start to bring provisions for your husband. In addition to healthier, money to eat out that you can save. Not only your daily needs, you can change your entertainment with free or cheap entertainment. Certainly, as a family, togetherness is the most time you’ve been waiting for. Vacation is one way to improve the togetherness. But that does not mean holiday should be fancy, you can take your child to visit the city park or visit the museum. In this way, you can also save recreation funds.