jostorres
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July 11, 2023, 03:09:59 AM |
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I just make a plan for the whole month. Everything I earn I divide it into 2 parts. 75% and 25% to be exact. 75% I use for savings, investments, emergencies, etc. The other 25% I use it for the whole month. I can easily cover the whole month with that. If any emergency situation occurs, I still have the backup funds. So the budget is quite strict. I try to avoid unnecessary expenses so that my budget won't get affected that much.
I don't think being a bitcoiner has anything to do with this. It depends on your income, your lifestyle, your expenses, and the price of goods. But if your life is dependent on Bitcoin investment or trading then it might vary. Price fluctuation could heavily affect your daily or monthly budget. If you choose Bitcoin as your main source of income, then making a budget according to it could be tough. But if we make a plan and save, then we can avoid such problems to some extent. Keep what you need and want to save. After that, invest the rest of what you can afford to lose. This is the first thing we need to keep in our mind. So, it won't have any effect on our daily life. So in the end, bitcoiner has nothing to do with it if you know what you are doing.
You either earn way more than you need in your life or you are single and don't have a family to take care of, because when you have a family to take care of, even 1% of your salary a day wouldn't be enough every day, and even if you spend 1% per day, it will still take 30% of your total salary, not including all the extra expenses such as bills, check-ups if needed, monthly grocery, school/college fees for children, and a lot of other expenses that you need to take care of. Even if you have a separate savings fund for emergency situations, you will still need to spend more than 50% of your salary on the general expenses for the whole month if you are a family man and if you don't earn a very high income, this obviously doesn't apply to those who earn a fortune every month.
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xSkylarx
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July 11, 2023, 03:53:09 AM |
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When i am still single i don't really plan out my spending it is just let it be so i do always come out short because i do spend much but now I do plan out my day like I only need to spend this for food and having extra then that is the time i will buy my wants . Without planning right now is very difficult because you'll caught of short and then you cant buy anything mostly now i do have family to feed.
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irhact
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July 11, 2023, 10:57:12 AM |
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Your revenue source determines how much you spend each day. Not only bitcoiners, but everyone, there are those people who budget exactly what they will spend regardless of what they make daily, weekly, or even monthly, while others simply spend as they see fit. I personally have a daily budget, however there are occasions when the plan doesn't work because of unforeseen circumstances.
We should always have an estimated budget so as to watch our spending. If we spend as we see fit we might end up running out of cash very soon and for those individual with emergency funds they'll have to touch them and they will have nothing left. I don't think we should based our spending on how much we make instead we should have a budget so when we make more money we can save more and increase our investment funds. Obviously we can't spend more than we make unless we want to spend on borrowed money which is a very dangerous lifestyle. Budgeting helps alot and all Bitcoiner should development a happy of budgeting, it could be daily, weekly or monthly, we should budget anyways.
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icalical
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July 11, 2023, 11:19:43 AM |
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I don't think I can do a daily budget, it's very different day to day, some day I will need to buy something that is very expensive, and someday I don't even buy food, because some neighbor are cooking and they give some to me. However, I usually do monthly budget that limit my expense, I live in small city in Indonesia so my monthly budget is not that much, I limit my monthly expense so it's not more $300 excluding bills.
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adiksau0414
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July 11, 2023, 12:13:36 PM |
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If you are a full time bitcoiner, budgeting really depends on the market. Depending on bitcoin as the main source of income should track their budget because of the volatility of it. Set some limits, know how to control; maybe you earn big in one trading this day but tomorrow might give you another sad situation.
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Flexystar
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July 11, 2023, 12:21:16 PM |
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That depends whether I am earning good amount of money for that week or not. It’s simple if I have achieved targeted wager for that week then hell yeah I am buying more bitcoin for sure. Usually I’m driven with the class of managing the accounts. I do not wish to overburden my life with unwanted expenses. Basically if I’m getting decent money which surpasses my expenses and savings calculations then Yup, that is good week to buy the bitcoin.
I hardly think I have bought bitcoins every other day because that is simply not possible. This also applies to selling or spending my bitcoins over the counter. I have paid with bitcoin for gift cards and for cash but it does not happen every day or week. Only on few occasions when I have to celebrate someone’s birthday or anniversary etc.
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Lida93
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July 11, 2023, 12:34:20 PM |
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I know everybody is not in a same class but still we all do budgeting, expenses and impulse. How much do spend a day? Do you think is possible to program your daily expenses?
For a single person keeping to a programmed daily or weekly expenses as the case may be is very possible as your needs can be numbered while some could be easily avoided to serve the set budget. But not for a family man with kids and a wife, there will always be an elastic budget as the demands are not coming from one angle only. Being a family man isn't an easy responsibility to cater for and that's why it's expedient to source out for streams of income so to be able to meet up with the numerous family needs ranging from the children needs, wife and that of extended families.
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Smack That Ace
Legendary
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Free Free Palestine
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July 11, 2023, 12:57:43 PM |
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I don't think I can do a daily budget, it's very different day to day, some day I will need to buy something that is very expensive, and someday I don't even buy food, because some neighbor are cooking and they give some to me. However, I usually do monthly budget that limit my expense, I live in small city in Indonesia so my monthly budget is not that much, I limit my monthly expense so it's not more $300 excluding bills.
Agree, budgeting for each day is extremely difficult, and we will never keep up because there will be things we do not anticipate. There's nothing better than a plan for each month, it's more manageable and less stressful. $300 per month, does that mean you're unmarried and you're living alone? As a married man with children, I think such spending will not be enough even though we are both from 3rd world countries. I had kids, and my budget was almost double yours, and it wasn't easy.
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puloweh555
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July 11, 2023, 02:00:25 PM |
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I know everybody is not in a same class but still we all do budgeting, expenses and impulse. How much do spend a day? Do you think is possible to program your daily expenses?
I like this thread, because the point of this thread is that we have to record expenses and income, no matter how small the expenses are. because from there we can know which posts are unnecessary. I used to take records of expenses for granted, but after living in the last few months it's very useful. for example, to eat 1 day where I live an average of $ 10 per day, it's not big, but try to multiply it by 30 days. pretty big right? IMHO You could say the concept is similar to the Eisenhower Matrix. Where there are 4 priority scales discussed, namely important-urgent, important-not urgent, not important-urgent, and not important-not urgent. The main ones are considered important-urgent and those that are omitted are not important-not urgent. So I think it is very important to program our daily expenses, even though the income as a trader is not certain every month.
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superman184
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July 11, 2023, 02:30:25 PM |
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I like this thread, because the point of this thread is that we have to record expenses and income, no matter how small the expenses are. because from there we can know which posts are unnecessary. I used to take records of expenses for granted, but after living in the last few months it's very useful. for example, to eat 1 day where I live an average of $ 10 per day, it's not big, but try to multiply it by 30 days. pretty big right? IMHO
If you multiply your daily expenses by the average amount in one month it does look big (in terms of currency) in your own country. But $300 in a month may still be very low and super economical for those who live in different countries with you, because each country has a different currency value so for those who directly use dollars for their needs on a daily basis, maybe that number is as much as it's still cheap and quite economical because the portion is for a month. You could say the concept is similar to the Eisenhower Matrix. Where there are 4 priority scales discussed, namely important-urgent, important-not urgent, not important-urgent, and not important-not urgent. The main ones are considered important-urgent and those that are omitted are not important-not urgent. So I think it is very important to program our daily expenses, even though the income as a trader is not certain every month.
Speaking of priority scales, I think not everyone applies to the four scales that you say. Because I only run three scales out of the four scales that you said, and those are things that are important but not urgent, as well as things that are important but there must be pressure and the last thing is something that is unexpected but it could come in everyone's life. So I think things about everyday expenses are always different for everyone and how they are managed will never be the same even if they live in the same country.
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tjtonmoy
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July 11, 2023, 04:27:37 PM |
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You either earn way more than you need in your life or you are single and don't have a family to take care of, because when you have a family to take care of, even 1% of your salary a day wouldn't be enough every day, and even if you spend 1% per day, it will still take 30% of your total salary, not including all the extra expenses such as bills, check-ups if needed, monthly grocery, school/college fees for children, and a lot of other expenses that you need to take care of. Even if you have a separate savings fund for emergency situations, you will still need to spend more than 50% of your salary on the general expenses for the whole month if you are a family man and if you don't earn a very high income, this obviously doesn't apply to those who earn a fortune every month.
You are right about that. I do live alone and have been living on my own for a long time now. So I can stick to my plans on money spending and the budget is quite sufficient to live day-to-day life. I get your point. When there's more mouth to feed, the budget will vary based on that. Also, it depends on your income. You can do what I do too. You will just have to do some tweaking in order to match it to your lifestyle. Let's say you need more than 50% in order to live your daily life. So let's reverse the budget. Can you not save 25% of your income and use the rest 75%? The percentage doesn't matter when you have a strong will. Your savings should be what you wish to save and what you can separate from your daily expenses. For me, it's 75% and 25%. Based on situations, it could change. But I try not to affect it too much. So what's the amount you wish to save? That totally depends on you. So just create a plan and make changes to suit your own lifestyle.
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libert19
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July 12, 2023, 04:05:37 AM |
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Country one lives in highly affects one's expenses irrespective of being bitcoiner or not, I see Stalker22's response here mentioning $40 a day, in developing nation you could live for 2 weeks that, excluding rent ![Grin](https://bitcointalk.org/Smileys/default/grin.gif)
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19Nov16
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July 12, 2023, 04:31:10 AM |
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I know everybody is not in a same class but still we all do budgeting, expenses and impulse. How much do spend a day? Do you think is possible to program your daily expenses?
I feel when the daily cost program can be in accordance with the budget and accurate when I am alone or not married, when married and having children will certainly be difficult to provide a limit or budget according to the target, of course there is a successful with the daily expenditure program, but in my opinion this will be Makes our time and our minds only focus on the control of expenses and better find a source of income.
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Sebas.tian
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July 12, 2023, 04:32:35 AM |
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Yes, our daily budget or expenses are different because those who lives in a developed country will be spending higher than those who live in undeveloped country which food stuff and other things are very cheap for their investors or bitcoiners to experience in the country. I spend $10 daily as a single guy because my company have some roles to play in the life of all the staff working in that organization that minimize our spending in the country, which is also helping me to save some money I will use to buy Bitcoin when the price is low again. Since this global inflation occurred in the world economy, many people are finding it difficult to maintain their daily budget of last year in the country because the price of things has increased higher double compared to last year price.
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xSkylarx
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July 12, 2023, 05:02:07 AM |
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I don't think I can do a daily budget, it's very different day to day, some day I will need to buy something that is very expensive, and someday I don't even buy food, because some neighbor are cooking and they give some to me. However, I usually do monthly budget that limit my expense, I live in small city in Indonesia so my monthly budget is not that much, I limit my monthly expense so it's not more $300 excluding bills.
Agree, budgeting for each day is extremely difficult, and we will never keep up because there will be things we do not anticipate. There's nothing better than a plan for each month, it's more manageable and less stressful. $300 per month, does that mean you're unmarried and you're living alone? As a married man with children, I think such spending will not be enough even though we are both from 3rd world countries. I had kids, and my budget was almost double yours, and it wasn't easy. I also lived in a 3rd world country, but I only budget $200 or less for food; bills and transportation like gas are excluded. It is already sort of enough if we only cook at home and do not eat at restaurants, because if we do, then that is short. I'm not sure how many are in your family, but double $300 is already huge, mostly because you are in a third-world country or you just consist of a big family with six or more family members. Also, I do plan out both monthly and daily, like for buying some stocks like foods and canned goods, I do buy them for a month, but for raw foods, I sometimes buy them daily or weekly depending on my mood, like what I want to eat this week. It gives you freedom or makes it easy to change your plan if you like to cook other foods.
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beerlover
Legendary
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Activity: 2968
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July 12, 2023, 05:18:04 PM |
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I know everybody is not in a same class but still we all do budgeting, expenses and impulse. How much do spend a day? Do you think is possible to program your daily expenses?
For a single person keeping to a programmed daily or weekly expenses as the case may be is very possible as your needs can be numbered while some could be easily avoided to serve the set budget. But not for a family man with kids and a wife, there will always be an elastic budget as the demands are not coming from one angle only. Being a family man isn't an easy responsibility to cater for and that's why it's expedient to source out for streams of income so to be able to meet up with the numerous family needs ranging from the children needs, wife and that of extended families. That's the hardest part about being married that nobody ever warned me about. If I was a single person I could have always set a budget and avoid doing anything that would be crazy, because I am married, sometimes I literally postpone my own medical needs in order to fit our budget, not set budget, literally all of our money, just so I could spend it on something we have to. I am not saying that it's common, of course we always take care of our medical needs before anything else, but sometimes unexpected stuff happens and we have to pay for them, it's just how it is at this moment. Which is why I believe that we need to make sure things are getting confusing when you are married, both sides makes short end of the stick at times.
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Cookdata
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July 12, 2023, 08:09:13 PM |
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When i am still single i don't really plan out my spending it is just let it be so i do always come out short because i do spend much but now I do plan out my day like I only need to spend this for food and having extra then that is the time i will buy my wants . Without planning right now is very difficult because you'll caught of short and then you cant buy anything mostly now i do have family to feed.
Planning is of the essence but sometimes when I don't go to work, I stay indoors, and do the cooking as everything I need is at home. However, is this topic actually necessary, I thought the initial plan of a Bitcoin holder is to buy and hold and go out and enjoy life outside there, I can hold Bitcoin but that doesn't limit my budget on how I spend and how it affects my life style, I think when you begin to confine yourself as Bitcoin this, Bitcoin that, you may even find it difficult to enjoy the only one life we hard. The question should have been straight up without adding Bitcoiner, I mean look at Microstrategy for example, as Bitcoin holder he still enjoy his life and share time with his family, have fund and of course spend money but it doesn't affect his Bitcoin position, it should have been budget on how to spend wisely and daily expenses as an individual or married person
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EluguHcman
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![](https://bitcointalk.org/Themes/custom1/images/post/xx.gif) |
July 12, 2023, 08:32:50 PM |
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My daily budgets is making income on the daily basis at the same time spending carefully not to exceed/exhaust my income and the cautiousness of not tempering my capital as this leads to crashing of investment.
So therefore, the cautiousness of considering your capital and your income should be determined by your expenses.
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inthelongrun
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July 12, 2023, 08:35:23 PM |
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When I was living in the downtown of a metro city, I was well aware of my daily expenses. I always eat outside so it was pretty easy to track and make regular daily budgets.
Now that I am living a little far, I cannot follow a daily budget. I need to cook my own food which means I also need to buy groceries. But I have lesser expenses when it comes to food and I am not paying monthly rent anymore. At the moment, $300 should be enough for my monthly cost of living but this does not include personal insurance for health, pension fund, and other necessities.
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Lanatsa
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![](https://bitcointalk.org/Themes/custom1/images/post/xx.gif) |
July 12, 2023, 08:56:56 PM |
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When i am still single i don't really plan out my spending it is just let it be so i do always come out short because i do spend much but now I do plan out my day like I only need to spend this for food and having extra then that is the time i will buy my wants . Without planning right now is very difficult because you'll caught of short and then you cant buy anything mostly now i do have family to feed.
Planning is of the essence but sometimes when I don't go to work, I stay indoors, and do the cooking as everything I need is at home. However, is this topic actually necessary, I thought the initial plan of a Bitcoin holder is to buy and hold and go out and enjoy life outside there, I can hold Bitcoin but that doesn't limit my budget on how I spend and how it affects my life style, I think when you begin to confine yourself as Bitcoin this, Bitcoin that, you may even find it difficult to enjoy the only one life we hard. The question should have been straight up without adding Bitcoiner, I mean look at Microstrategy for example, as Bitcoin holder he still enjoy his life and share time with his family, have fund and of course spend money but it doesn't affect his Bitcoin position, it should have been budget on how to spend wisely and daily expenses as an individual or married person Budget is crucial specially we do know that we arent really that wealthy for us to spend like a mad man.Everything should really be on moderation and you should really be wise on taking up decisions because if you dont then you would really be ending up on getting overdropped with the budget you do have.Its not really that necessary for you to spend up your crypto and would be converted to fiat or cash specially if you are really that longing or planning to hold up for long term. Expenses and budgeting should really be done and this could really be able to be done on using up your fiat as much as possible. Doesnt matter though whether you do have bitcoin/crypto or fiat because daily life or living expenses is really there. This is why it would really be t hat so important that you should really be looking and minding that much on how you would really be spending up things wisely and properly, because if you dont then you would really be definitely be having those headaches later on.
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