Dear Rain
SOS
I really need your advice, as I know that you learn more about this case
It’s all about my financial. Since I resigned from school, my M sends me money every month to pay the bill. There is some money too that I have to use to do the shopping from the soap, the spices until ice cream. Hihihi
(I should have used my own money)
My sisters always warn me that I have to use all those money wisely. Yeah, they know that I am not good at managing those things and tell me to stop buying books and comics for a while. (Are they crazy or something? How could I?) . I always tell them not to worry about this because I get money (not a lot) from those small stuffs to buy books.
In the first and second week, everything is under control. But in the end of the third week ...ugh..the alarm is always ringing. All that money seems disappear somewhere (or probably some gnome took it when I was sleeping). No way out but go to the ATM. Hiks...whereas that my saving for something that is more important. I try to hide it from my sister but I am sure they get a whisper from somewhere and directly know that their little sister is in emergency circumstance. Ugh...
The remaining question, How to make all those money is enough until the end of the month?
Should I stop buying books and comics like my sisters say?
I am pretty sure it’s impossible to do it.
Or is there a kind of book that tells me how to be a good manager in financial?
Just like I have said in previous post, nothing worrying me but this one. I don’t wanna same thing happen over and over again.
1 komentar:
Dear Ally,
studying accountancy doesn't means i'm good on finance, especially in dealing with my own financial things.
Let me say that i only good enough to control other party's financial stuff? lol
Hm.. one thing i could suggest you is.. the trick i always use to keep my bills paid. Once i receive my payment i try my best to pay all of the bills first. Soon after that, i do my monthly shopping.
Monthly shopping means you buy your basic need for a whole month such as napkin, soap, toothpaste, shampoo, toothbrush, make up (if you put on any), rice, food, oil, instant noodle, canned food, eggs, etc.
You can buy fresh meat and vegetables for 3 days stock until 1 week stock, but not for the whole month.
That's why you should spare some amount that enough for you to buy fresh meat and vegetables for the next 3 weeks or for the next... 27 days :) Separate this money to an envelope and do not dare to use it out of it's original purpose.
NB: remember to use your careful prediction about the amount (predict the increase of price too)
If you have saving habit, then you should take some amount (it's up to you) and put it on your bank account immediately. Please DARE NOT to bring your ATM Card or Credit Card with you while shopping.
Finally, you have some money you can spend freely. Carry some amount (not whole of them) when you hang out or shopping. When you shopping, use this money to buy things, books, and your meal too.
My additional advice on your last kind of money is... divide that money into 4 equal amounts and put 1 part of it in your wallet every week.
Hope that could keeps you away from ran out of money in the middle of the month :)
Well, now we both know the theory. The next thing we should have (i have this problem too up until now) is... self-discipline.
Theory and plan are useless when we have no discipline.
with love and care,
-raina-
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