LIVING BY YOUR OWN

            Hello, today I want to share how I manage my budget for living by my own. I am an accounting graduated. I have two job, my main job is an acounting consultant and my other job photographer. Form acounting caonsultant I get 7 milion ruphias and form photographer I can get 2 milion ruphias. So each mounth my income is 9 milion ruphias.

          

            Because I already work so I decide to live in an apartement. So because it I must pay a rent for apartement each mounth. I pay 3 milion ruphias each mounth for my apartement. Make sure cost for rent not more than 40% form your income. Next is food, I spend 1 milions ruphias each mounth for my food. Make sure you can cook, so you not must by food to eat because it will make your spend more. Next utilities, I pay 800 thousand ruphias for gas, electric, water don’t use them excessive. Then transportation, because I use a car so I’m cull  700 thousand ruphias for gas and oil. For the personal item I spend 400 thousand ruphias. And last for entertainment i cull 1 thousand ruphias. So my expenses each mount is 6,9 milion ruphias.

            

             Because my expenses is 6,9 milion ruphias and my income 9 milion ruphias, I have rest. I use it for my saving. It can be use for unexpected needs or by a home, so I not must pay a rent again hehehe. But it will take a long time to buy a home. Or prepare for married or anything.

          

             After end the mounth see your list of expenses, if that more higher than your income you must decrease your expenses. And if your expenses less then your income use it for saving, don’t use it for the things not important. So that’s all, hope this can help you manage your budget.