In realizing harmonious and languid households, we not only need to understand each other. But also understand how to manage finances well, especially for housewives who play a large role in meeting household needs.
Every matter of food, kitchen, school, caring for children is a common thing that every housewife does. To be able to do it well, smart housewives should be in managing finances. Here are 15 tips that you can apply in managing household finances:
1. Buy items as needed
It has become a common practice that womenfolk love shopping. And usually if you have been shopping you can spend hundreds or even millions of dollars in a single shopping. Shopping is indeed an important activity that must be done by mothers, but you should not overdo it, because it will make you run out of money later on.
Buy items as needed when shopping, if you do not have enough funds to buy goods, you should not force them. Don't forget also that the money you have will continue to be used in the future in meeting family needs. Shop a little but the items can run out better than shopping very much but the items are wasted later.
2. Create Shopping Priorities
Pririitas is prioritizing buying items that are the main needs that must be purchased, such as food, drinks, shelter, etc. Or it could be called primary, secondary and tertiary goods.
You should prioritize primary items before buying secondary and tertiary goods. After the primary item has been bought and you still have the remaining money, you can use it to buy other items.
3. Conduct a Review of Daily Living Costs
Daily financial assessment can be done by recording income and expenses every day. After that, do you really need all the items you buy? or is there an actual non-essential item purchased? By recording it, we reduce spending by not buying goods that are not actually needed.
In addition, you can also set expenses when taking notes, for example by not spending more than $50 per day. This is complicated but will help control expenditure.
4. Save expenses
Saving expenses can be done by loading the battery as needed, which you really need. In addition, you can buy items at a cheap price by buying them in large quantities in the market, but do not overdo agr you do not need to go back and forth to stores that are more expensive.
You should also adjust the price of goods with the funds you have, if the item is good but the price is expensive and your funds are small you should switch to other items that are cheaper.
Discipline is a mandatory trait that must be possessed by everyone who wants a successful life. Discipline can include many things such as perseverance, on time, diligence, everything goes according to plan, etc. To be able to manage good finances, of course discipline is needed, because you are not only involved in financial problems once but many times throughout your life.
To be able to have the nature of discipline, it is necessary to practice work on time, go home on schedule, arrange separate schedules for recreation, use the best time possible, and others.
Saving can be done for various purposes. Some use it for safeguards when they experience difficult times such as accidents, severe illness, hospitalization, some want to buy expensive items such as houses, cars, or motorbikes. Some want to use it for preparation costs for future education. Whatever your goal is to save as long as it's good then do it.
7. Avoid Debt
As much as possible you have to pay in daily expenses. Great can indeed help household finances when it is difficult, but the best financial problems to overcome problems.
Debt will be a burden for anyone who becomes a recipient, a large debt interest will make us have a lot of it. The solution to overcoming difficulties is to balance your income capabilities with Support.
Make sure you don't buy something you really can't afford. And if it can't be avoided, then as soon as possible pay off the debt as soon as possible.
8. Start Investing
Investment is better than saving. Because savings are usually used for consumption and the amount is fixed or reduced if used but is different from investment. The money you invest will continue to grow and can be used to meet daily needs.
Investing does not have to buy expensive items such as property, stocks, or gold to open a store, shop, shop, sell meatballs, or open tutoring services is also an investment, where the capital you use will continue to grow as your business progresses.
9. Look for Additional Income
If you are a career woman and want an additional salary, you can become a freelancer like selling credit, becoming a website writer, becoming a tutor, reseller and many more. You can do all of that between work or leisure time.
Besides being able to help finance, side jobs like this can also be an alternative income when you are unable to work anymore.
10. Reduce Riding Motor Vehicles
It's good if you save on transportation costs by not using a motorized vehicle or in other words walking sata to the nearest place. In addition to reducing pollution and costs, walking can also make us healthier.
With the increasing speed of technology today, human activities that require a lot of movement become reduced, eventually the body becomes susceptible to dangerous diseases and causes obesity. Therefore make it a habit to live healthy by exercising and replacing motorized vehicles on foot.
11. Reduce Eating Out
Eating out will make the cost of living as high as the average price is expensive. Besides food outside is not healthy, contaminated with many diseases and bacteria, especially fast food, will have preservatives that endanger health. This will have a bad impact on you later when you have to pay for hospital care.
We recommend that you make your own food which is processed with natural and healthier ingredients. Besides that the price will be much cheaper than buying from outside. In order not to get bored you can occasionally imitate delicious outside food, even though it takes more expensive material costs.
12. Use Discounts or Promos When Buying
Discounts or promos will be very helpful for anyone in meeting their needs. When the item is discounted you can buy it in large quantities, but within reasonable limits. While promo items usually occur in a limited period of time, so you have to be very clever looking for information and updating daily information about the items you are about to buy.
13. Pay Off Bill On Time
Bills usually have a certain amount of money to pay off which, if exceeded, will be subject to fines. If you have been able to pay the bill, then immediately pay off the taghan, do not delay because it will only harm you later. Bills that we often encounter are various, such as electricity bills, tax bills, motor installment bills, home installment bills etc.
14. Prioritize Needs Before Desires
Sometimes we have difficulty distinguishing which ones include needs and which ones include desires. These two things actually have a striking difference, but because we have strong desires, sometimes we hear something we want rather than something we need.
The difference between these two things is that the demand is not fulfilled, it will threaten your survival, such as eating, drinking, living, etc. Whereas desire is whatever you want on the basis of likes and interests such as wanting to buy good clothes, buy the latest smartphone, buy soccer shoes, etc.
We should prioritize needs that if not fulfilled will threaten our lives.
15. Make Long-Term Financial Targets
Everyone usually has goals and targets for life in the future. This goal should begin to be formulated early and be carefully considered in the tips so that it can be realized in the future.
This target, among others, in the next 10 years I must have had a permanent job and my own home, then after the following year I set up a business and made a lot of investment, in the next 10 years I had to have a car. All of that should be planned and targeted from now on.