pieces of momey' stories

Personal Cash Flow

on March 1, 2012

many planners said this: make your personal cash flow for a whole month and analyze!

Kalimat itu mah udah gue tau dari kapan tau, dan tetep gak berhasil rapih bikin catatan.

Last February (which means yesterday), I’ve made it. Thanks to the expense manager application on this tablet gifted to me. Gak usah muluk-muluk utk bikin cash flow keluarga, cash flow pribadi aja dulu.

maka inilah hasilnya:

pie chart personal cash flow

gak kebaca sih ya?

tapi di gue kebaca banget iniiii, kalo itu pengeluaran di personal, uncategorized, entertainment, naaudzubile gede bangeeeeetttt…. di post itulah gue yang bocornya banyak. *nangis darah penuh penyesalan*

OK. selesaikan tangisnya. We’ve got the chart, then what’s next?

Budget for the next month (which means this day, March 1)

I’ve tried to calculate. and you know what? Ternyata gue harus nanggung dosa gue di akhir bulan Januari lalu sebagai credit card abuser, yang bulan maret ini harus dibayar, yg digitnya udah ampun-ampunan, yang artinya akhir bulan maret nanti pun aku akan MINUS! pyuuuuuuh….. *mamaaaaaaaaaaaak!! ibu rumah tangga macam apa ini!* hihihii….

Tapi sedikit lega deh dengan adanya post calculating feb’s expenditure, dan precalculation for march’s plan. Bisa diambil kesimpulan sbb utk survival plan:

  1. no personal care this month (kecuali di t4 langganan yg udah dicicil bln lalu😀 *teteup*
  2. leave the credit card behind
  3. 20rb/lunch/day or bring a lunch-box
  4. kurangi kunjungan ke mall
  5. kurangi kunjungan ke market plaza female daily :: racun semua isinya😄
  6. that’s it for now….

Oh, by the way, I’ve planned some saving and investing budget for my march plan. about 20% of the income. Jadi gak berdosa2 banget sih sebenarnya. Hanya saja ada target lain yang menuntut gue utk lebih dari 20% itu savingnya.

AH, ayolah semangat.

We can do this.

*nyanyik I will Survive lagi*🙂


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