I do budgeting every month and I'm already a veteran. But I didn't expect that my expenditure budget would be overturned in November, which should be the most inaccurate budget for me. The income budget is fine, but the side business is not up to standard, because some of the writing fees have not arrived in time.
I use the God Elephant Cloud Ledger, because the God Elephant Cloud Ledger is easy to use, and it is very convenient to make a budget. The Budget for November expenditure was 11,995, and the actual expenditure was 16,443, an overexpenditure of 37 percent. The deviation is a bit large, I have summarized a few reasons after taking stock, have you also won the bid?
1, the wallet is not well managed, the money sneaked away
In November, I had one of my most unjust expenses, and that was bad debt losses. When I was going to get the third dose of the vaccine, when I used my ID card, I found that my wallet was missing.
That day, I rummaged through my dorm room, my home, and my car several times, and it was gone. I thought about it for a while, and I put it back in my bag after the last time I used it in my dormitory. How the wallet is missing, I don't know myself.
There are still more than a thousand cash in the wallet, like me, a low-wage, no savings, more debt, more than a thousand is much better. If you don't use it or deposit it in the bank in time, you lose more than a thousand.
Losing more than a thousand is one reason why I oversized my budget this month. If you don't usually need much cash, then take it to the bank, I put more than a thousand for a long time, and finally it is gone.
2. Individual "big" expenditures are omitted
Budgets, the reason they are budgets, are because we have to have foresight. I usually budget based on last month's expenditure + a change in this month. For example, the expenditure in November, I will make an adjustment according to a situation in October, such as the expenditure of a share of money in October, and if there is no expenditure in November, the personal relationship will be reduced. There is a Singles Day event in November, and if you buy more things, you will increase your budget.
At the end of October, I thought about what to buy, and the approximate price was budgeted, but in November our property kept urging me to pay the property fee. I lost my wallet, and I paid half a year's property fee in a huff, which was not a house slave life overrun 1789.
When making a budget, if you miss some relatively large expenditure items, it is easier to overspend. When making a budget, think about whether there is rent to pay, property fees to pay, gas fees, etc., the more it is not paid monthly, the easier it is to miss when budgeting, and it is easy to overspend when it is omitted.
When you're budgeting, you can check again for any missing points.
3, preferential activities temptation, did not hold back to exceed the standard
I bought according to my shopping list for the Double Eleven event, and basically did not buy randomly. At the end of October, I asked the milk powder store, whether there was any activity for the milk powder that my daughter ate, and I said no, let me buy it directly, I bought 2 cans; at the beginning of November, the boss said to me, the activity price is 300 a can, I think there are already 2 cans, and the discount is not very big, and I want 2 cans.
When I waited until November 10, the boss sent 4 cans of 1111 yuan, and also sent 1 can of small, I calculated, a can as long as 246. I think I started by asking if there was any activity, spent 1340 yuan, only bought 4 cans, and lost a lot.
Because I was originally planning to wait for the double eleven activity to buy, the result was that the real double eleven activity was not enjoyed. I looked for the boss, the boss said that the first 2 cans can not give me the difference directly to send me a small can, equivalent to a discount of 70 yuan. The back 2 cans let me enjoy the price of 1111 four cans + 1 can of small cans, refund my difference.
I think usually 1 can 370, now as long as 246, the discount is not small, what difference is refunded, I make up the difference to buy 2 more cans. Usually buy 2 cans, now 6 cans + 2 small cans, because of the activity, immediately overspended.
When this kind of preferential activity is very large, I think I can properly stock up on goods, and overspend on it. But you can observe according to the usual activities, like at the beginning if it is a can of 300 I only hoard 4 cans, because this price point will often have activities, double twelve will soon arrive, followed by New Year's Day, Spring Festival.
But if the price of 246 is usually less, you can stock up on a few more cans. Necessary supplies, with great strength, you can properly stock up on goods.
4, no communication, the budget is not in place
Last month's budget also had a large overrun, that is, the mother-in-law's expenditure. I made a budget based on past experience, but last month Mr. wanted to give my mother-in-law more living expenses, and I did not say in advance, my budget was naturally not in place.
In this regard, we can usually communicate. Usually at the end of the month, I will ask my husband for a bill, reconcile the account, and see if there is any omission. At the beginning of the month, the budget will also discuss what to do this month and how much it will cost. For example, this month, Mr. Reminds me that the car needs to change the oil, then my budget can be in place.
In my opinion, the budget can better assist us in open source throttling and keeping the budget as much as possible. At the end of the month, do you review your bills and overspend? Why the overrun? Whether it is avoidable.
On my bill, the loss of the wallet should not happen, but it should be avoided, and next time you will have to pay more attention, or reduce the storage of cash. Property fee expenditure, sooner or later to pay, but the budget is missing. The baby's expenditure, although over budget, is actually saving money.
Do you usually overspend? What are the reasons for your overspending?
Article source: Suiji Community A small money meow