5 solid ideas for a budget. Foot shopping, must read tip #1

 


A budget is one of the best tools you have to control and improve your financial situation.


But to be consistent in the long run, not everyone can do it.



You must strive and work hard to 'stay faithful' to the budget you make. Yes, this is not an easy job.



Lifestyle changes, discipline, organized spending, all these are needed in applying the budget in daily life.



Nah. For those of you who want to tame, digest these 5 tips without hesitation. Hopefully useful.



Tip #1: "Create a budget by category" - What is this thing?

we give you 5 power tips that we read near The Balance blog.



If you are the type who is used to spending, it is quite difficult to change immediately in making a budget.



But for us, there is no problem. You can try to come up with this idea.



Let's say, your monthly salary is RM2,000 and you're the shopping type. You can deduct RM150 (example) to satisfy your shopping cravings.



But when the money is gone, avoid using other money that is ready to be divided in your budget. At the same time, you slowly train yourself to reduce your shopping habits.



This technique will help you be loyal to the budget made. It seems simple, right? But to know if it is effective or not, you have to try it first.

Among other common problems in the shopping chapter are buying groceries and entertainment. It's fine. Promise you are aware and admit you have this problem.



That is why it is important for you to keep a receipt for every expense you make. Now you can calculate how much you spend each month on each item.



This way, you can avoid the problem of 'dry pockets' and having to swallow Maggi every time the end of the month arrives.



Tip #2: Celebrate technology in the palm of your hand

Instead of installing games, why not install applications that help you create a budget. More beneficial, isn't it?



With the help of an application like this, it is easier for you to keep track of every expense that occurs. That's not the point. You can also access the budget you make at any time.



You don't even have to use paper to make a budget. Your life is getting happier, the environment is getting better. What other favors do you deny?



Well, we added more side dishes. You can also sync applications near your smartphone via computer. For those who already have a life partner, teach them this technique.



Everything is near your fingertips right now. It's easy, are you lazy to do it?



Tip #3: Hold ‘financial meetings’ as often as possible

You can also have financial meetings every month with family members and spouses, to make sure your budget is always on track.



This method will ensure that you are aware of every expense that occurs, examine the amount of savings, and the progress of financial goals that you want to achieve. If there are things that need to be changed, you can do it without any problems.



If you are married, this is a tip that we recommend you and your partner do.



For those who are still single (bachelor trang tang tang), don't try to avoid it. This idea, everyone can do including you who are still looking for a life partner.



Maybe this tip takes a lot of your time and energy. But seriously, it doesn't hurt if you do. Your money too, confirm safe.



Tip #4: Cut back on unnecessary expenses

Usually, monthly expenses such as phone bills, electricity, water, Internet, gym memberships and so on eat the most of your money. Agree?



And this is an expense that most people don’t pay full attention to. In fact, if you can reduce even RM50 a month, won't your finances be directly affected?



That RM50, maybe you can bring it to the monthly savings fund. Well, there is an extra RM50 for you to save. Isn't that good?



If you use an Internet plan that costs RM150 a month, review whether you really need it or not.



If you don't use the Internet, it's better to subscribe to a cheaper package. You can save a lot there.



Tip #5: Save money on food? Worth it?

On average, people find it difficult to budget when it comes to food. Indeed, many do not care about food.



But for us, this is one of the things you must control. We do not forbid you to spend on yourself after being tired of working every month. But if you want to eat delicious food every day, you are the one who is looking for the article.



Want to eat delicious, there is a way - cook yourself. Try to calculate the cost when cooking, and compare the cost of buying food near the store. You will see a significant cost difference there.



Want to find delicious recipes, there are many in Google. We just want to search. If you're lazy, it's good that you've swallowed the paper.



Best of all, you can cook more and save the food to eat tomorrow. Just want to heat it up. In that case, you can calculate how much you can save. Give it a try!



Want a thousand power, don't want a thousand excuses

Your financial health is your own responsibility. There is no one else who will help take care of you, but yourself.



And it is not impossible to change for the better. we used to, more or less je. But because we love the future, we take the initiative to budget.



Alhamdulillah, now our finances are many times better than before. Guys, when else?
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