Suara.com – Giving gifts to yourself or what is popularly called self reward is sometimes a reason for some people to spend more money than usual. As a result, more money will come out and it can even drain your savings.
So that this does not happen, self-rewarding actually also needs a budget allocation so as not to interfere with other finances.
Quoted from Bibit, there are two ways that can be considered for managing special self-reward finances.
First: First calculate the mandatory monthly expenses and the rest can be used for the self-reward budget.
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The trick: make a list of mandatory expenses and regular expenses in one month. Starting from consumption, electricity and water, transportation, monthly shopping, internet, credit, paying children’s tuition fees, installments to investments and other mandatory special expenses such as spending on cars or having to pay Land and Building Tax (PBB).
If you have calculated all mandatory and routine expenses, then the rest can be used as a self-reward budget. This method can be used in certain months when expenses are greater than usual.
Indeed, there is a possibility that the self-reward budget will be smaller than other months. However, the expenditure of obligations must still be prioritized.
Second: Budgeting from the start by determining the percentage for self-reward.
The trick: can make a percentage distribution or salary allocation for self-reward. For example, 10 percent of income is budgeted for self-reward. From that 10 percent, it can also be further divided into two.
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For example, five percent is for self-reward that doesn’t require a big budget, such as trying the latest culinary delights or watching a movie. Then the remaining 5 percent is for other self-rewards that need a bigger budget, such as saving for a staycation or buying a new device.
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