1. Calculate All Expenditures
Start by making a list of all your expenses and your husband, like how to pay the mortgage, monthly expenditure, electricity bills, telephone and water, insurance, pensions and others. Make sure you've entered all expenditures that are released every month in the mandatory list.
After writing down what are the list of major needs, start writing a list of additional expenses. For example the money you spend to have fun (watching movies or eating in restaurants), cut hair, magazine subscriptions, buying a birthday gift and others.
Do not forget to include expenses are not unexpected in the list. For example, to repair damaged homes or pay fees to doctors who are not covered by insurance.
2. Think of the Benefits and Advantages
When all expenses have been recorded, you will better understand how much actual money needed each month. Do the math if you stop working, all of the expenses can still be paid.With stops working there are actually any money can be saved.
You no longer need to spend money for their daily transportation. So you can cook your own food, more efficient spending of clothes, shoes, bags and much more.But there are disadvantages that you will be well if it stops working. For example, insurance companies themselves are initially borne by now you must pay yourself. Likewise, child insurance provided by a number of companies.If indeed you decide to stop working temporarily, keep in mind as well, not necessarily if you return later, the salary can be obtained at first. But this also depends on how competent you are.
3. Pay attention to the Good
The entire list of expenses is certainly not going to make you dizzy to think if salaries husband could bear it all. Different things you feel when it turns out the husband of a lack of adequate salaries to fund all of these expenses.
If indeed this happens, you can still find a way out. Try to invite her husband to sit together and think about what can be done so that all expenditure that can still be paid.
For example, there may be ways to cut such spending. Or what sacrifices you and your husband should do to stop the plan of this work can be realized.
If you decide to stop working, even with insufficient financial condition, make sure when talking with your husband already has a plan. Calculate well what you would save enough so that the husband's salary to fund all the needs of families. You may make suggestions to work from home such as an online shop opens.
4. Do not Give Up
If it stops working completely not the best choice, look again aternatif other ways to keep your family finances could be in a healthy condition. Maybe you could find another job that is more flexible working hours.
If it turns out that there is no alternative employment, you must find a way to get more save expenses. Do not immediately rush to make savings everywhere.
Frugality is much like dieting, if you do it suddenly, you may experience shock and give up easily. Begin to save for a few things, do not immediately cut all expenses that you deem unnecessary. Once you can do it, then slowly doing other savings. (nan/63/12)
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