Brilio.net - When living in a household, one of the most important aspects to pay attention to is managing finances. The many household needs make you and your partner have to be careful in managing household finances.
Managing family finances is the main thing that needs to be done for the sake of survival with a partner. However, each family certainly has a different strategy in managing their income and expenses.
A woman with the TikTok account @serafinanurr shares her realistic way of managing household finances . She is open about her husband's income, which only earns Rp2.8 million per month.
The couple lives in Purwokerto, a small town in Central Java with a relatively low cost of living compared to big cities. However, a strict strategy is still needed so that Rp2.8 million is enough for one family's needs.
photo: TikTok/@serafinanurr
The woman's total household bill reaches Rp635 thousand every month. This figure includes electricity, water, and other basic needs subscriptions.
Meanwhile, monthly bank installments are an additional financial burden of Rp325 thousand. This amount must be allocated routinely so as not to interfere with other expenses.
photo: TikTok/@serafinanurr
The budget for personal needs and household hygiene is set at Rp250 thousand per month. This amount includes the purchase of soap, shampoo, toothpaste, and other bathing needs.
Her child's school fees are also included in the monthly expenditure details, which is Rp150 thousand. This burden is slightly lighter because the child's lunch is covered by the school.
photo: TikTok/@serafinanurr
Transportation costs and vehicle needs such as fuel, oil changes, and routine services are recorded at Rp350 thousand per month. This expense is an important need because it supports the husband's mobility while working.
Meanwhile, for daily meals, he allocates Rp150 thousand per week to meet kitchen needs. Starting from vegetables, spices, to side dishes are bought economically at cheap markets.
He explained how shopping for side dishes and vegetables can still be adjusted even with limited funds. The selection of food ingredients is done carefully so that kitchen needs are met without draining the budget.
" I bought the side dishes, 1 kg of chicken for 36 thousand, 1/2 kg of eggs for 14 thousand, 1/2 kg of catfish for 12 thousand. The rest I bought vegetables at a cheap market for 22 thousand and I got a lot. For a week ," he said.
Not only that, Rp500 thousand is set aside for daily needs such as children's snacks and pocket money. The fund also covers expenses for social gatherings and various other household needs.
photo: TikTok/@serafinanurr
Limited financial conditions have made it impossible for him to set aside funds for savings. Even so, he always records other expenses carefully while adjusting to daily needs.
" Other expenses as the day goes by are being looked for ," he said honestly in his upload.
photo: TikTok/@serafinanurr
Although her husband's salary is in accordance with the minimum wage, she has a side business as additional income. The income from the business is indeed uncertain, but it is a solution so that the family's needs are still met.
" At home I also open a design service, bouquets, and character chocolates, sis. If I work in an office, I'm confused because no one will take care of my two children ," she explained.
This post about how to manage finances caught the attention of netizens. Many were surprised to see the habit of joining arisan in the midst of limited financial conditions.
" With that salary, you dare to join a social gathering and still have bank debt, Sis? Amazing ," wrote @amuy537.
Still dont understand why people like to join arisan , commented yesyesshop29.
" My husband has a 2-digit salary, I don't dare to join the arisan, what's the use of the arisan? It's better to save it if you don't use it to buy investment goods ," wrote @_gbtbgt_0.
(brl/lea)
