JYAMBERE · KAMONYI
Your household budget
Bring together household income, essential spending and savings goals. Start with the money you can realistically expect.
- 01
Know what comes in
List pay, trading, farming and other income, together with the dates you receive it. Distinguish money already received from money still expected.
- 02
Put essentials first
Plan food, housing, education, transport and existing obligations. Record due dates so a larger bill does not take you by surprise.
- 03
Choose a workable saving amount
Review what remains after essentials. Choose an amount you can set aside without leaving household needs unmet; if nothing remains, review the spending plan first.
- 04
Review the plan regularly
Compare the plan with what actually happened. If income changes, adjust the plan and discuss it with those who share the household responsibilities.
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