How Do you Budget your 15-day salary?

[tzihloOh]

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I have a family already with a daughter who just turned 1 year last month. My hubby is a teacher and I work in a BPO. Our salary wont meet end to end so I am really confused if its me who doesnt know how do the budgeting, is it our lifestyle or is it just the salary income. My hubby will just get 4k monthly and me just 5K since the 3K goes to my loan. Please share how you do the budgeting for your daily expenses. Thank you!~

[my_hEaD_isBIG]

ilahi daan ang mga gastosan sis. like you can separate them by putting money to an envelop.
ilahi ang for expenses, bills, emergency, etc... gamaya gud nimo ug earnings gikan sa BPO? 8k ra per month?

[tzihloOh]

ilahi daan ang mga gastosan sis. like you can separate them by putting money to an envelop.
ilahi ang for expenses, bills, emergency, etc... gamaya gud nimo ug earnings gikan sa BPO? 8k ra per month?

dili man sad 8k.... mga around 19K ra. hmm.... thnks for the suggestion though...

Who else has something to share?

[HeartStops]

i think kinsenas iyang gi mean sis..
pag bulk mo ug palit ug bugas ang grocery good for 15 days
menusi ug eat sa gawas kay mahal.
menosi ang taxi
pag pudget ug allowance per day para ninyo both.
kung mag work man gali pag baon nalang ug home cooked na sud-an/kan-on maka save pa.
ang sobra i set aside para emergency. mas maayo gnai mag stock ug mga first aid medicines
hope this helps.

[nijazared]

I think what you were referring to was 5k for you and 4k for your husband as well for 15 days, right?
so that makes i 9k for 15 days and 18k monthly if im correct.

What you could do is add up all your expenses.

Total Income less your expenses.
Then make a daily fixed budget for food.
If you have extra don't spend it, save it.

For me I have a baby and i'm the one's supporting them.
I rent my pad for 3k monthly.
I have a SUN postpaid which I pay 900 monthly.
What my wife does is seperate 1500/15 days for the milk and diapers= 3k monthly.
My budget is 1k per 15 days=2k per month.
I average around 7k per payday=14k a month.

Here's how we budget:

14000 less 3k for Pad Rental=
11k less 3k for baby=
8k less 2k for my daily allowance=
6k less Sun Bills= 5k.
I give the 3k to my wife for her wants and needs and 2k goes to savings.

I also have an attitude wherein I do not do utang or installment. It might seem that you're saving but it just adds up on expenses.

[racing]

up for this one!

[wuweiliang]

spend it on something nga ma maka lipay ninyo

[^_^ lien]

try prioritizing TS by following the Maslow's hierarchy of needs. Physiologic ka first, ang spare money ayaw lang sa gastoa TS save lang sa then pwede raman pud ka karon na month e save ang sunod na month ilipay2x ang spare na money para mas biboo. hehe

[Madz N Sam]

hmm para nako dapat mag dala lang jud 100 sa work ay para d ma tintal mag palit2 ug mga starbucks ug krispy kreme hahhaha

[lhorenzoo]

medyo sakto ra man kaayo na inyo salary kay mag 9k gud mog kinsenas , ang style ana sa budgeting is unahon jud ang bugas kay mao na pinaka importante , then sa sud an is pirme luto og kana mga utan ,mga sinabaw kay maka less jud mo ,then basic necessities like soap (laundry/bath soap) , baby needs (milk/diapres/vitamins/etc.) then ang inyo pamlite kana murag budget na jud nas kinsenas