Brilio.net - Owning your own home is a dream for many people, including those who earn UMR. Although it sounds difficult, in fact with wise financial management, this dream can come true. This is proven by a housewife who lives in Sukabumi who managed her family's finances well, even though her husband only earns Rp 3.5 million per month.
This inspiring story was shared by the TikTok account owner @ayy0295 through her video upload. She shows how to manage finances to pay off mortgage installments while meeting the needs of her household, husband, and child.
In her video, the housewife explains in detail the division of her family's monthly expenses. Starting from mortgage installments , utility bills, to daily needs, everything is clearly detailed so that no expenses are missed.
The main priority in managing the family's finances is paying the mortgage installments and household necessities. The mother ensures that the house installments and utility bills are always paid on time.
photo: TikTok/@ayy0295
"1. What must be prioritized, IDR 995 thousand (house installments/mortgage), IDR 150 thousand (WiFi). 2. Electricity needs IDR 100 thousand/month, water IDR 60 thousand/month, garbage IDR 25 thousand/month, RT cash 10 thousand/month," he explained, quoted by brilio.net from the TikTok account @ayy0295 on Tuesday (17/9).
The budget allocation for basic household needs is also arranged very carefully. Starting from electricity, water, to cleaning fees and RT cash, everything has been calculated carefully.
In addition to household needs, this mother also allocates funds for kitchen needs and other household equipment. She ensures that her family can still eat properly and have sufficient supplies of household ingredients.
The budget for kitchen needs and household equipment is arranged in great detail. This shows how careful and meticulous the mother is in managing the family's finances.
"Rice kitchen costs Rp. 225 thousand, soap costs Rp. 100 thousand/month, spices costs Rp. 100 thousand/month, gas costs Rp. 44 thousand/month, drinking water costs Rp. 24 thousand/4 gallons (refill)," he explained.
photo: TikTok/@ayy0295
Not only basic needs, this housewife also allocates funds for the daily needs of her husband and children. She ensures that her husband and children still have pocket money, even though the amount is not much.
This meticulousness in managing daily expenses shows that the mother is very concerned about the needs of each member of her family. Although the family income is limited, she still tries to meet the needs of her husband and children.
"4. Daily snacks for the little ones + shopping Rp. 50 thousand/day, snacks for my husband Rp. 10 thousand/day (my husband asked for this), gasoline for my husband Rp. 80 thousand/month (only Rp. 20 thousand per week)," she added.
Despite having to live on a limited income, this housewife is still grateful for what she has. She realizes that managing finances is not easy, but she still tries to meet her family's daily needs.
The positive attitude and gratitude shown by this mother are worthy of appreciation. She proves that with good management, a family with a minimum wage can have their own home and live comfortably.
"Hopefully I will always be given a lot of gratitude. It's called money. If you want a lot or a little, it will still run out if you use it. No matter how you arrange it, it will still run out," he said.
photo: TikTok/@ayy0295
At the end of her video, the owner of the TikTok account @ayy0295 gave encouragement to other housewives who might be in a similar situation. She reminded them of the importance of gratitude and prayer for their husband's success.
"It's true that we don't have savings, but we are grateful that we can make ends meet from day to day. For us housewives who don't work, may Allah bestow abundant sustenance on our husbands," she concluded.
Netizens were amazed and amazed by the struggle of the couple to dare to take a mortgage even though their salary was IDR 3.5 million. They also highlighted the husband's pocket money which was smaller than the pocket money of today's elementary school children.
"Oh my God, my salary is 6 million, sometimes more if I work overtime, and my wife's salary is 5 million, but why can't we save?" said @maulaiskndar.
"My husband's salary is double my salary. But he dares to take out a house loan," said @ydjp2.
"Oh my God, my husband's snacks are 10 thousand, nowadays even elementary school children's snacks are 20-30 thousand a day," said @adi45890.
"Electricity 100 thousand? What's in it? In my house, 300 is already very economical," said @nofiqomohy.