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Author Topic: paano mag budget  (Read 10260 times)

super_momy

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paano mag budget
« on: March 05, 2012, 04:14:31 PM »
hi mga mommies paano po ba mag budget?? pashare naman ng format :)

Mamie Vera

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Re: paano mag budget
« Reply #1 on: March 05, 2012, 07:27:10 PM »
Hi super mom!

Maraming format sa microsoft office excel pero in my case gumawa ako ng sarili kong format para madali kong ma-gets ;)

Ang ginawa ko sa umpisa, nilista ko muna lahat ng binili namin at pangangailangan. Kung kelan ito binuksan at kelan naubos. Meron akong mga columns na ganito, excel worksheet lang gamit ko.

1. grocery
2. palengke (meat, gulay, bigas, LPG)
3. bills
4. mommy expenses (mga personal kong expenses, load, damit, expenses sa school)
5. baby expenses (milk, diaper, vaccine, toiletries, damit etc..)
6. incidental expenses (mga di inaasahang ginastusan kasama na yung pag i-SM  ;D)

After 3 months of observation, nakita ko na ang flow ng expenses namin (by average), kung magkano nagagastos per column. From then, naka formulate na ako ng budget. May pasobra ako lagi sa incidental expenses kasi di natin alam kung kailan may emergency.

Since then, nakasanayan ko ng ilista lahat ng ginastos ko kahit piso.  ;D Every week chinicheck ko kung nagma match ang expenses ko sa money left from my wallet. Gulo utak ko kung di mag-match.  ;D
« Last Edit: March 05, 2012, 07:30:57 PM by Mamie Vera »
i do hope this will be my last and forever SP account :)

buuurp

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Re: paano mag budget
« Reply #2 on: March 05, 2012, 10:01:10 PM »
Meron kaming list ng midmonth and endmonth budget. Things to pay, things to buy, projected income, and actual things paid, actual things bought and actual income. :)

Sometimes, its not that people change…you just find out who they really are.

khen777

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Re: paano mag budget
« Reply #3 on: March 05, 2012, 11:21:16 PM »
anong category po ba ang pinakamagastos? Sometimes, we buy things that are not needed. Kung lumalaki ang expenses, ang solution diyan is increase your sources of income. The fact is expenses will grow through the years because of inflation and growing number of family. Pwede mag small business para pandagdag kita.
« Last Edit: March 06, 2012, 04:26:03 PM by Tiger Lily »

buuurp

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Re: paano mag budget
« Reply #4 on: March 06, 2012, 03:35:48 AM »
sa amin uhm, "rent" - which is uncontrollable. sa controllable naman pinakamagastos yung "groceries" at madalas dito nageexceed sa budget dahil si hubby kapag kasama mamili dami gusto.

Sometimes, its not that people change…you just find out who they really are.

mommy_tl

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Re: paano mag budget
« Reply #5 on: March 06, 2012, 03:28:09 PM »
Hi sis,

sa household namin, ganito format na ginagamit ko:
Tithes – 10%
Savings – 15%
Rent
Bills
Yaya
Food
Allowance
Baby (includes milk, diapers, wet wipes, vitamins, etc)
Entertainment - 10%
Personal - 10%
House (optional)

*biweekly yung pasok ng income namin ni hubby so biweekly ko din tong ginagawa. For things that are paid monthly like rent, bills, yaya's salary, eh hinahati ko na para walang payday na mabigat or magaan ang expenses, pantay2x lang.
*i also budget for entertainment para hindi panay ang labas2x.
*yung personal naman - i allot the same amount for me and my husband if may gusto kameng bilhing personal na bagay. for me, this would include salon services or books. ayoko kasi na magastos ako masyado tas siya wala ng nabibili for himself or the other way around.
*yung kay baby, usually hindi nauubos yung budget sa kanya every 2 weeks so iniipon namin at nadadagdag sa pampavaccine niya or binibili namin ng toys niya.
*i keep this in a ledger para makita ko yug history ng gastos namin sa bahay.
*yung sa house naman, naglalaan lang kame pag may extra money pa.this is in prep for stuff needed for the house like small appliances, kitchenware, etc.

hope this helps - me and my lil accounting at home. :)
daddy mike & mommy_tl & baby zeik

Mamie Vera

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Re: paano mag budget
« Reply #6 on: March 06, 2012, 04:11:24 PM »
anong category po ba ang pinakamagastos?

In our case, food and groceries kami malaki. Lalo na pag umuuwi husband ko at kasama ko siya mag grocery, kung ano ano lang kinukuha like sis burrp's husband.  ;D

I agree with sis khen na habang tumatagal, tumataas din gastusin. Pero kung no opportunity and means for business mag cost cutting nalang. Ito ginagawa ko kung may gusto akong bilhin na medyo pricey at ma-out of budget na ako, sa food and groceries din ako nagbabawas.

Like pwede namang walang juice, chips, chocolates, biscuits o iba pang wants lang. Or minsan sa brand, like pwede namang SM bonus na peanut butter instead of nuttela, yung mga ganong pagko cost cutting ginagawa ko.
i do hope this will be my last and forever SP account :)

Tiger Lily

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Re: paano mag budget
« Reply #7 on: March 06, 2012, 04:30:09 PM »
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steffani

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Re: paano mag budget
« Reply #8 on: March 06, 2012, 04:57:48 PM »
my advise is to list down all your fixed expenses (rent, kasambahay salary, gasul, mineral water, etc) and your variable expenses (grocery, utilities, etc).. determine mo ano yung kailangan gastusan daily, weekly, monthly, at yearly... yung yearly expenses kasi i divide it by 12 para may itinatabi ako every month for that para hindi ako mabigla kapag bayaran na (this forms part of my fixed expenses monthly). kapag alam ko na kung ano ginagastusan, i use the envelope method na... my envelopes are labeled according to the categories or entries sa fixed and variable expenses ko... so kapag nag-withdraw na ako ng money sa atm namin ng husband ko (twice a month ang sweldo), i immediately divide the money according to envelope na para hindi na magastos...

that's how i budget and it has proven to be efficient for me (kahit minsan sumasabit pa rin because of unexpected expenses... kulang kasi talaga minsan ang pera compared sa expenses)... basta keep in mind lang, importante na part ng budget and tithes at ang savings, they are a MUST...

mommy_geli

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Re: paano mag budget
« Reply #9 on: March 06, 2012, 10:50:46 PM »
before i used enveloped method. meron akong expandable envelope then naka-tag duon yung expenses namin. and meron din akong naka set aside sa pangkain sa labas or pagpunta sa mall. and also fare papunta sa IL's ko since weekly kami nagpupunta dun. pero ngaun naka excell format na ako at may projected budget for the whole year. basta meron lang allotted money for emergencies. pero parang mas maganda yung envelope method. kasi nakikita ko kung magkanu na lang yung natitirang money dun sa envelope then from there nag aadjust ako.

yhamslove®

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Re: paano mag budget
« Reply #10 on: March 07, 2012, 01:34:56 AM »
pero parang mas maganda yung envelope method.



Ako rin, like mommy_geli, eversince I got married, I follow the Envelope System. Meron din akong Excel file ng mga allotments namin taken from our combined salaries ng asawa ko.

Ang importante, you stick to your budget para maiwasang ma-short.  ;)
yhamslove 

buuurp

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Re: paano mag budget
« Reply #11 on: March 07, 2012, 07:46:34 AM »
same kay mommy tl yung big expenses hinahati ko per payday divided saming dalawa ni hubby kahit na polo or shoes or phone bill nino yan para di mabigat - combined kasi sweldo namin or should i say yung sweldo niya binibigay niya buo sakin.

ang pagbudget talaga kelangan samahan ng disiplina na lately di ko nasusunod :( kasi nakakatamad magcommute sa shift ko napapataxi ako. dapat ibalik ko ang disiplina laking tipid nito.

Sometimes, its not that people change…you just find out who they really are.

mishyla

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Re: paano mag budget
« Reply #12 on: March 07, 2012, 05:14:28 PM »
 I am using envelope system.. twice a month ang budgetting ko.

i also have this notebook where i write our income. expenses (detailed) and all payments needed. ( i don't use excel file because i still need to open pc everytime i need to check on something, at least ang notebook, anytime pwede ko tignan.

nakalista yung income namin magasawa (i added both)
then listed all expenses, including allowances for 2 weeks. as per budgetting perse, i allot something like this:
- palengke      - 3000  ( good for 2 weeks)
- Dana's milk -  2000 ( good for 2 weeks including diaper (night time) and toiletries ni baby)
- allowances  - 6000 ( combined allowance namin - good for 2 weeks too)

groceries, we do the grocery twice a month. and it varies minsan 2K, minsan 1.5K lang. depende sa bibilhin. more on toiletries lang din naman kasi ang grocery namin.
i also allot for extra ( if we want to go out, pizza delivery, entertainment and so on)
yung sobra goes to savings.

we just finished our cc debt. 3K per month na lang for the TV that we've got. so lahat na ng sobra to savings. So far effective ito sa akin. if may natitira sa extra na money, or sa palengke, i gave it to our daughter para lagay niya sa bear alkansya niya. or yung extra carry over for next paydays extra money.

yung bills, one time big time. every 20th ang bayaran ng bills. salary ng kasama twice a month. so every 5th, wala kami masyado expenses.
MISHYLA

super_momy

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Re: paano mag budget
« Reply #13 on: March 09, 2012, 05:49:24 PM »
parang type ko yang envelope system na yan..
naka excel din po ako and basic accounting kaya lang hindi ko mabalance kasi minsan hindi ako nakakapag entry,,may small notebook din ako kaya lang hindi ko din naisusulat..
kaya ngayon nagrerely nalang ako sa mga resibo para yung hnd ko maisulat tinitignan ko lang dun..

Clueless

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Re: paano mag budget
« Reply #14 on: March 11, 2012, 08:03:42 AM »
Kami may annual spreadsheet. Di pwede na monthly kasi may expenses na hindi naman monthly, like car insurance, car registration.

On a monthly basis, we list our combined income and everything to be paid for on that month, both regular monthly expenses or annual expenses that fall on that month. This way, we get a holistic view of things and are able to make adjustments for months na may big expenditure. We get to see which months kami may extra or potentially mag-short.

Pero madaling gumawa ng budget. What difficult is to stick to it. Dyan kami sablay.

 

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