Assalamualaikum..
Bulan nie sis nak review spending sis untuk bulan 10.
Alhamdulillah, total expenses (include fix) dibawah budgeted.
How I do it?
- track spending is a must kalau u tak buat cash envelope. Sis tak buat lagi cash envelope so sis tak nak komen pasal cash envelope.
- every 3 days update allocation so sis tahu sis dah guna category mana.
- sis cuba untuk tak spend in that category kalau dah over spend.
- kena ada disiplin lah sebab kalau tak ada, memang tak berjaya sis spend below means.
Time PKPB macam ni actually is a good way kita nak control spending kita sebab kita tak leh nak ke mana- mana sangat especially you have young children at home. Lagilah kita tak boleh nak travel which travel pun required a lot of money (depends on personal la kan?)
Sejenis sis ni daripada dulu, I do not have any savings for travel or things that I want. So what I do is, I always charged to my card. So thats why hutang credit card sis melambung lambung sampai tak cecah tanah lagi. Masa PKP early this year, sis baru lah dapat control sikit la my spending habits. Itu pun sikit la, tak seberkesan mcm ni. And PKPB does help kalau tak asyik nak melangkah ke mall jer.
- This spending trend is during PKPB. So kita tak kan tahu apa jadi bulan depan sebab sis 'terbeli' phone baru and it charged to my card. huhuhu..
Doakan sis berjaya!
Thank you
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