lizarder
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October 21, 2023, 02:08:24 PM |
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There are many people around us, where their income is not enough to manage a family how do you manage your family and economy? There are many people who manage their family very well even though their income is very low in their personal life, how do you manage it?
Talking about needs cannot be separated from how the family is able to finance the family's food, clothing and shelter needs. In this case, we need good planning in managing limited finances, so that small income can be channeled appropriately for these needs. One of them is trying to meet kitchen needs and maybe you can take steps by trying to buy raw materials that are processed at home to eat and if you have empty space in your yard you can grow vegetables for these needs. When these three things are fulfilled well, our lives will be much more normal because these are basic needs that need to be prepared carefully. The rest when talking about savings and purchasing any assets must be through other programs that are in line with our income, after these needs are met as the first step that needs to be prepared. It is impossible for people to save, buy assets or invest if they have difficulty meeting these basic needs.
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Dickiy
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October 21, 2023, 02:30:52 PM |
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Low income or limited salary will not be a big problem in meeting the family's main needs, you can still meet various family needs as long as you can manage your expenses appropriately. Allocate money to items that the family needs every month, such as basic food items, children's education costs, electricity and water. Always avoid spending money on things that are not really needed in order to save some money for other needs.
Apart from that, if you don't have another source of income, you can use your free time to work on the empty land around your house, start planting various kinds of plants such as tomatoes, chilies and other vegetables. By having produce from your own garden, you can increase your income and save money on shopping for kitchen needs.
Your advice to use spare time to establish a garden with crops such as tomatoes, chilies, and veggies is a fantastic method to augment income and save food costs. Individuals may handle financial issues more effectively while also protecting the well-being of their families if they adopt these tactics and make prudent spending decisions. Yes, it is better than we just stand around without doing anything and only rely on the salary from our main income which is clearly not able or not enough to support all the needs of our life with our family. And if indeed we have a patch of garden around the house then yes it's a good idea to start farming by planting all plants such as vegetables or anything that can be consumed, obviously the benefits are quite a lot. Besides being able to reduce expenses from your basic needs, you can also avoid the impact of inflation which of course the basic needs will increase but your income is still low. Honestly, this is a very good solution and will be very beneficial for the individual himself, especially will help them from financial problems in the family, and also especially if in that condition you can find additional work to increase your income, it will be even better.
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Aanuoluwatofunmi
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stead.builders
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October 21, 2023, 02:42:46 PM |
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I will just think straight ahead of adding an additional source of income for myself, and this will create in more opportunities for me to be able to meet up with the family and personal needs arising, we cannot say that we should take decision on cutting the expenses made each day because of low income since there are needs that cannot be cut short like daily expenses on feeding, house rent, school fees and many other needs.
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bestcoins1
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October 21, 2023, 03:35:15 PM |
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I will just think straight ahead of adding an additional source of income for myself, and this will create in more opportunities for me to be able to meet up with the family and personal needs arising, we cannot say that we should take decision on cutting the expenses made each day because of low income since there are needs that cannot be cut short like daily expenses on feeding, house rent, school fees and many other needs.
You have chosen a very wise and correct path for yourself and also for the sake of your own family, because spending money for daily needs cannot be endured by anyone except for people who do not love their own bodies by continuing to endure hunger and thirst. Family livelihoods will be much easier when the head of the family has sufficient income, so that when you walk and think straight to continue earning additional income in order to avoid experiencing difficulties in your own family, you are truly wise in your way of thinking at this time.
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macson
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PredX - AI-Powered Prediction Market
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October 21, 2023, 09:04:17 PM |
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There are many people around us, where their income is not enough to manage a family how do you manage your family and economy? There are many people who manage their family very well even though their income is very low in their personal life, how do you manage it?
Of course reducing your lifestyle is something that must be done by every family with a low income, just imagine that currently, the world economy is in an uncertain direction, my country is also not free from that, meanwhile, if your family has a high lifestyle but the financial strength of your family is not able to cover it, your family will be at the extreme poverty line, you will definitely start to incur debt and will not be able to save. remember, as long as you and your family use the money you have only for food and drink, then you and your family will be able to survive for quite a long time.
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terrific
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October 21, 2023, 10:02:53 PM |
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I will just think straight ahead of adding an additional source of income for myself, and this will create in more opportunities for me to be able to meet up with the family and personal needs arising, we cannot say that we should take decision on cutting the expenses made each day because of low income since there are needs that cannot be cut short like daily expenses on feeding, house rent, school fees and many other needs.
Cutting expense is just the first step but you'll eventually realize that it won't be enough because you also have to cut the lifestyle that you've been living. Even if your lifestyle is just like frugal just the way you've been doing it, you'll still need to cut more. But for you to maintain that, the best solution is for what you have said and that is to add more source of income. When you have that, you can allocate for your needs and even for some of your wants.
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poodle63
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October 21, 2023, 11:22:45 PM |
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I will just think straight ahead of adding an additional source of income for myself, and this will create in more opportunities for me to be able to meet up with the family and personal needs arising, we cannot say that we should take decision on cutting the expenses made each day because of low income since there are needs that cannot be cut short like daily expenses on feeding, house rent, school fees and many other needs.
thats true, cutting expenses just temporary resort for contending against the ever increase price of basic needs. whats more important is raising income, even though it might be difficult, there's no other way, we all know that sometime salary increase lesser than inflation, meaning out purchasing power get decreasing every year. to content against that, of course by raising our quality as an individual, learning skill that might bring us to new job opportunities, then increase the income, thats the only way if someone want to find sure way to make sure that their basic needs are filled.
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junder
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October 22, 2023, 07:31:35 AM |
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There are many people around us, where their income is not enough to manage a family how do you manage your family and economy? There are many people who manage their family very well even though their income is very low in their personal life, how do you manage it?
Of course reducing your lifestyle is something that must be done by every family with a low income, just imagine that currently, the world economy is in an uncertain direction, my country is also not free from that, meanwhile, if your family has a high lifestyle but the financial strength of your family is not able to cover it, your family will be at the extreme poverty line, you will definitely start to incur debt and will not be able to save. remember, as long as you and your family use the money you have only for food and drink, then you and your family will be able to survive for quite a long time. Yes, it is true that with a limited income, of course, you have to reduce excessive lifestyle, seen with the current lifestyle that is rising with branded goods will certainly drain income. Many people today prioritize a luxurious lifestyle by buying high-priced items whether it's gadgets, clothes, vehicles. If they have a sufficient income, it is not a problem, but what I am afraid of is that they have a limited income but force their lifestyle with the aim of fulfilling the current trendy style. It may be true that they will get into debt by prioritizing a luxurious lifestyle, but if they have a limited income but can follow a luxurious lifestyle maybe they are people who can manage their income well so that they can balance their lifestyle and basic daily needs, people like this rarely exist because they have a good mindset in managing their finances. So there is nothing wrong with following the current lifestyle as long as they can manage their income well and not harm themselves.
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wiss19
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October 22, 2023, 05:10:11 PM |
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i dont need to be personally concerned with finances thanks to bitcoin. but i do like to look at frugality as a thought experiment and to keep me empathetic to the unbanked population someone in my locality talked to me about their inability to save money. saying all their money leaves before the end of the month
i asked them to for one month. do their normal activities, but ask for/provide a receipt for everything they buy that month there were many surprising things i noted when reading their receipts
they bought individual 500ml bottles of pepsi-max for £1.20 each (6litres would be £14.40) compare that to 18cans of pepsi max(330ml each) £7.50 = (6litres for £7.50) 1.5ltr of pepsimax for £1.20 (6 litres would be £4.80) yes thats right same retailer sells 500ml bottle for same price as 1.5ltr bottle
making one change in just how the pepsi is contained. can save them 50%-66%+ when it comes to drinks someone can go through 6 litres in less than a week meaning saving £10+ a week ... heinz baked beans individually £1.45 supermarket ownbrand £0.30-£0.45 can save £1+ per tin by just swapping the brand (trick is, first time instead of buying one expensive tin. buy 3-5 ownbrands totalling the 1 expensive tin. and then taste preference the one you will only buy next time)
when it comes to tinned food most people use upto 7 tins a week per person per week. so that can be £7 saving a week (per person)
just those 2 products can save £17 a week (£68 a month)
.. too many people do not think that these small £1 premium items mean much to the budget, but it soon adds up
Great calculations and experience there. These small things certainly add up to the total budget getting out of its actual proportions, and someone who wants to save money will definitely need to make sure that even if they are able to save $2 a week by changing their purchases a little bit, they should go for it, as long as they are still getting the same thing in the same quantity but just in a lesser price, they shouldn't really have any problems. If I know that I usually buy a product that I use every single day, and if I buy that product in bulk instead of buying once every day and I get to save a few bucks on it, I will definitely go for that because why not? I'm still getting the same thing just maybe in different packaging and stuff and saving some money with it.
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goinmerry
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October 22, 2023, 05:38:32 PM |
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As a basic rule of thumb, always prioritize needs > wants.
Just consider giving these a balance if the salary is well enough to cover these. List all the required things under priorities such as; food, monthly bills, daily allowance, transportation (or gas consumption if having an own vehicle), and many more. Break down all the spending here and from there, the adjustment phase will be the next.
We do have a different financial situation that's why only us knows what would be the best financial plan we should follow.
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DrBeer
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October 22, 2023, 06:19:05 PM |
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As a basic rule of thumb, always prioritize needs > wants.
Just consider giving these a balance if the salary is well enough to cover these. List all the required things under priorities such as; food, monthly bills, daily allowance, transportation (or gas consumption if having an own vehicle), and many more. Break down all the spending here and from there, the adjustment phase will be the next.
We do have a different financial situation that's why only us knows what would be the best financial plan we should follow.
On the other hand I would add: - set higher goals, for example, for the standard of living - your own business or a stable passive income, a nice apartment in a good neighborhood of a good city, a nice car, good travel around the world, delicious food, ... and all this not "later when you get it", but now, maximum - "tomorrow" - buy quality things (they are definitely more expensive than consumer goods) - socialize with those who are more successful than you - don't socialize with those who are degraded or have down-to-earth interests. This is all to what? To the fact that a person should always strive for better, more convenient, quality, comfortable, .... A person should not live his whole life for the sake of one goal, sacrificing everything else, while there is no guarantee that he will live to realize this dream, and the whole life will pass in total economy, and lack of satisfaction from life ... For me, a very good example was the situation with the collapse of the USSR, when most of the 250 million people lived virtually for one goal - that the state gave an apartment. And for the sake of this they were ready to live all their lives in conditions that differed greatly, and for the worse, from the inhabitants of the free western world, small wages, small pensions, shortage of absolutely everything, lack of the right to choose and the possibility of choice.... But suddenly, when you retire, you get an apartment?! Some people waited for it. Minimal, primitive apartments, in houses made "under copying", with miserable planning and equipment. But the whole life passed so - that there is nothing to remember ! And some, the most nimble, somewhere found a job and put aside money. To "buy an apartment on retirement". Then there was a monetary reform and all their savings turned to dust..... Bottom line - don't get hung up on saving money. It is necessary to consume logically, to develop, to strive for the best!
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| ...AoBT... | | ▄▄█████████████████▄▄ ███████████████████████ █████████████████████████ █████████████████████████ █████████████████████████ █████████████████████████ █████████████████████████ █████████████████████████ █████████████████████████ █████████████████████████ █████████████████████████ ███████████████████████ █████████████████████████ | | The Alliance of Bitcointalk Translators | | | | │ | | ▄▄▄███████▄▄▄ ▄███████████████▄ ▄███████████████████▄ ▄█████████████████████▄ ▄███████████████████████▄ █████████████████████████ █████████████████████████ █████████████████████████ ▀███████████████████████▀ ▀█████████████████████▀ ▀███████████████████▀ ▀███████████████▀ ▀▀▀███████▀▀▀ | . ..JOIN US.. | | │ | | ▄███████████████████████▄ █████████████████████████ █████▀▀██████▀▀██▀▀▀▀████ ██████████▀██████████████ █████▄▄███████▄▄▀████████ █████████▄▀▄██▀▀█████████ █████████████████████████ █████████████████████████ ████████████▀████████████ ▀███████████████████████▀ █████ ██████████
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MarjorieZimmermanGinger
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October 25, 2023, 03:12:12 AM |
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Just consider giving these a balance if the salary is well enough to cover these. List all the required things under priorities such as; food, monthly bills, daily allowance, transportation (or gas consumption if having an own vehicle), and many more. Break down all the spending here and from there, the adjustment phase will be the next.
We do have a different financial situation that's why only us knows what would be the best financial plan we should follow.
That's much better and prioritizing basic rules to meet needs is the best way so that can manage our limited finances. When people are unable to provide a balance between expenses and income then there is no way for them to manage everything well. The list that is loaded must be adjusted as much as possible to the amount of income we earn, for example preparing food needs by buying ingredients for cooking, monthly bills such as electricity and PDAM water and saving fuel only to be used when going to work. Sometimes different incomes will result in unequal expenses, as in some of the examples we have experienced and the greater the income we earn, the greater the expenses we need. It depends on our ability to manage finances and if we don't have the ability to manage then don't expect this problem to be resolved.
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RockBell
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October 25, 2023, 03:55:12 PM |
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The need for budgeting can not be over-emphasized, it saves one from loads of financial mismanagement and unnecessary pressure that goes with it. Budgeting and sticking to it makes you feel like you have more than enough to play around with irrespective of what the economy of your neighbourhood is. It also gives you room to enprovision for savings and investment.
There are options for almost everything that is required to live life, the option you subscribe to is that which your resources can afford according to your class. If you deviate from subscribing to your class-option, its only a matter of time before the pressure associated with mismanagement of funds sets in.
If you look the way a country is run it is run based on budgeting everything is planned out according to budget signed to aviod mismanagement of resources of the country, and that is how our personal life is suppose to be, everything supposed to planned out just that the challenge is that the economy is fucked up and things are getting really expensive, so if you really want to do savings you have to really discomfort your self and reduce a lot of things. You have to restrict something if you really want to archive this, in other to reduce the way you spend if not, spending its something very difficult to put under management.
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puloweh555
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October 25, 2023, 04:47:54 PM |
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I will just think straight ahead of adding an additional source of income for myself, and this will create in more opportunities for me to be able to meet up with the family and personal needs arising, we cannot say that we should take decision on cutting the expenses made each day because of low income since there are needs that cannot be cut short like daily expenses on feeding, house rent, school fees and many other needs.
You have chosen a very wise and correct path for yourself and also for the sake of your own family, because spending money for daily needs cannot be endured by anyone except for people who do not love their own bodies by continuing to endure hunger and thirst. Family livelihoods will be much easier when the head of the family has sufficient income, so that when you walk and think straight to continue earning additional income in order to avoid experiencing difficulties in your own family, you are truly wise in your way of thinking at this time. Managing finances is really necessary, especially with a low income and only one income. You need to know that if your salary is your only source of income, then you are only one step away from poverty. So indeed all of us, especially those who are married, must have a long view and try to find additional work. This way we can make money, save money, and employ this money (investment) which is the most important thing. In life it is very difficult to predict what will happen in the future and there are times when it is very difficult to manage finances because sometimes unexpected things can happen, so the easiest way is to just enjoy it and be grateful for what you have... if you have more money, save it.
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DVlog
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October 25, 2023, 05:28:34 PM |
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I will just think straight ahead of adding an additional source of income for myself, and this will create in more opportunities for me to be able to meet up with the family and personal needs arising, we cannot say that we should take decision on cutting the expenses made each day because of low income since there are needs that cannot be cut short like daily expenses on feeding, house rent, school fees and many other needs.
Exactly! If my current income is not sufficient to cover my family expense then I will try to find an additional income source or I will try to find another job that will be enough to support my monthly expenses. Sometimes it is not only our low income but also our lack of proper money management that causes financial problems. You can support your family even with lower income if you have knowledge about money management.
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ChiBitCTy
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October 25, 2023, 06:35:45 PM |
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There's some good information in this post and then there's some bad information, or misinformation. I have to ask, how did you select these people and the "advice" they are giving? As a licensed financial advisor of close to 20 years now, I would highly recommend NOT taking advice from anyone you don't know their educational background of when it comes to finances. I can't tell you how many clients have taken "advice" from friends/family/co-workers that has come back to bite them in the butt. One thing I did notice and is absolutely correct...budgeting is your first step. The first calculator on this page is a great monthly budgeting tool- https://www.empower.com/learning_center/calculators/index.shtml?_gl=1*7ilj50*_ga*MTk5MDIyODk4NS4xNjk4MjU4NzQw*_ga_MDRRLSW4FM*MTY5ODI1ODc0MC4xLjEuMTY5ODI1ODc0NC41Ni4wLjA.#/ If anyone would like some help with their finances, from a financial advisor, I'm happy to help..just shoot me a DM.
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JunaidAzizi
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October 25, 2023, 07:01:16 PM |
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As a basic rule of thumb, always prioritize needs > wants.
Just consider giving these a balance if the salary is well enough to cover these. List all the required things under priorities such as; food, monthly bills, daily allowance, transportation (or gas consumption if having an own vehicle), and many more. Break down all the spending here and from there, the adjustment phase will be the next.
We do have a different financial situation that's why only us knows what would be the best financial plan we should follow.
This is correct that you should first give importance to your needs because wishes cannot be completed as you will work for one wishes after which you will wish for another happiness therefore always thinks about needs first. Make a monthly planning that you will use your income in basic things only and specify certain amount which you will keep save in each month. If a person spend his money on specific and necessary things only then he can easily manage his expenses in a little income otherwise he will be unable to do anything for himself. Other people cannot teach us that how to spend money because its our own salary, our own needs and our own expenses so no one can understand better than ourselves. As we are working hard for getting money so we can also use some hours to make a plan and save our money.
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pawel7777
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October 25, 2023, 09:58:59 PM |
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Exactly! If my current income is not sufficient to cover my family expense then I will try to find an additional income source or I will try to find another job that will be enough to support my monthly expenses.
I've said it before and I'll say it again - this is the wrong type of thinking. You need to start thinking of your time as your most valuable asset. Instead of finding another low-paying job that will leave you no time to spend with your family or raise your children, you should shift your focus on getting paid more for your work. The simplest way to do that is to get some skills that others don't have. And I'm not even talking about any fancy degree that takes years to obtain and costs a fortune. Just literally learn something that an average man can't do himself and that will improve your life significantly.
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passwordnow
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October 25, 2023, 10:29:06 PM |
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Exactly! If my current income is not sufficient to cover my family expense then I will try to find an additional income source or I will try to find another job that will be enough to support my monthly expenses.
That's I will do too. The competition for having new jobs is there but I won't stop since I've got my own reasons not to give up and why I need to find another job or another source of income. When life is too tough and gets tougher, this is when we can do the impossible. Believe me, when you're too motivated and you're feeling to do the impossible, you are very optimistic with every approach that you do just like finding another job. Because when you can see the whole situation of what you and your family is going through, you'll have to do something. Sometimes it is not only our low income but also our lack of proper money management that causes financial problems. You can support your family even with lower income if you have knowledge about money management.
It is what it is but you will learn that eventually on how to properly manage your money, finances and salaries that you'll be taking. That's always the hard part when you've got nothing to budget on but when money comes in and you only need to budget it, that's gonna be easy for you.
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JeffBrad12
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October 25, 2023, 10:35:33 PM |
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I will just think straight ahead of adding an additional source of income for myself, and this will create in more opportunities for me to be able to meet up with the family and personal needs arising, we cannot say that we should take decision on cutting the expenses made each day because of low income since there are needs that cannot be cut short like daily expenses on feeding, house rent, school fees and many other needs.
Exactly! If my current income is not sufficient to cover my family expense then I will try to find an additional income source or I will try to find another job that will be enough to support my monthly expenses. Sometimes it is not only our low income but also our lack of proper money management that causes financial problems. You can support your family even with lower income if you have knowledge about money management. supporting family with lower income by properly managing money which just simply means cutting your basic needs, or never buy something luxury without any proper reasoning, is just temporary means, until when you will be able to do that? isn't the inflation gonna decrease your wealth in the long run? as mentioned its better to increase the income. even better if we also invest, after all with investing, we could increase our income as well, so not just doing nothing meanwhile our money keep decreasing. thats why knowing to invest is important.
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