I try to manage my monthly income in a simple and practical way. Since I work in a store, I know how important it is to plan my money before spending it.
50% โ Home & Daily Needs This is the main part of my budget. I use it for groceries, electricity and other household bills, transport, and things needed in daily life.
20% โ Savings I try to keep this money aside instead of spending it. It helps me prepare for future needs and gives me some support when I need extra money.
10% โ Family Support I keep a small part for family needs and for situations where someone in the family may need support.
10% โ Personal Expenses This covers my own basic needs, such as clothes, personal care, or small daily expenses.
10% โ Unexpected Expenses I keep this amount separate for sudden expenses. If something comes up, I can use this money without disturbing my main budget.
My simple rule is to take care of important needs first. I also try to save before spending on things that are not necessary.
My best money-saving tip is simple: think before you buy. If I do not really need something, I wait instead of spending money immediately.
For me, a good budget is not about spending less on everything. It is about knowing where my money is going.