HELLO EVERYONE
The last few years have been a year that I regret very much in terms of spending my financial budget, almost all the money I make has nothing left, everything just runs out like running water, it makes me really think that what I did was wrong so I decided to change my way of thinking for my good in the future.
For now I am starting to choose and sort out when to spend money, besides that I also make a detailed budget every month, and for now I have set 80% of my income to spend every month, the remaining 20% I put into savings or I consider spending I invest.
Of the 80% of the budget that I will spend earlier I have also divided it into two parts, 60% for basic needs and the remaining 20% for other small needs, the percentage can sometimes shift a little from the target, but slowly I can optimize it slowly.
To manage finances for me is not an easy thing, sometimes I am also still tempted by things that are less important, but I consider that human, almost everyone also experiences loss of control from time to time, but I'm sure it will slowly get better, the important thing is to keep going. optimistic with a strong stand.
After implementing a budget pattern like that I feel a good impact every month, although not much but now that I have a little savings that I have invested in several places that I trust, this is a good first step to stabilize my finances.
Well, that's how I spend and manage my financial budget lately, hopefully I can maintain it well and will get better in the future, thank you very much for those of you who have come to my post, I hope you can also control Your finances are much better than mine.