Who among you here are SAHM, any tips on how to manage weekly budget?
The ideal answer to that would be to track all your income and expenses so that you can work on a budget. I tried that and found it too tedious especially since ako lahat gumagawa sa bahay. My solution? Never go out of the house on a weekday. I leave the house once a week para mag-grocery then I bring along a certain amount na yun lang dapat gastusin. If may extra sa weekly school allowance namin ng anak ko, yun yung pang-reward niya on grocery day.
Đọc thêmWhat I do is I list down all the payables for the month and the succeeding months and ung projected income. From there, I can determine how much goes to expenses which includes bills, groceries, and other payables and savings. I also set aside a portion for miscellaneous.
I maintain an excel sheet. Andun lahat yung mga monthly expenses namin, then may column para sa budget so I know magkano ang allotted for that item, then may column para sa actual spend for that item. That way I can track if nag-exceed ba kami sa budget or not.
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I also have a list of the monthly bills and I set aside an amount for miscellaneous. I project the budget at least 2 months in advance so it won't be very difficult for me in case something comes up.