budget update

guys.. so far the new budget style is working (●♡∀♡). we don't have debt, we're starting to diversify our money, and slowly building up an emergency fund despite having to support my family and surviving this pandemic.

I tweaked it a bit to focus more on saving up so here's the updated version:

1. calculate 20% of your income. this will be your savings.

2. subtract savings from income.

3. calculate your total fixed essential expenses (bills) and subtract that from what's left of your income.

4. whatever's left, this will be your grocery/transport/allowance.

it's way more extreme than what we're used to but I think this was the only way we managed to stay in control of our finances. hopefully things get better for my parents and we'll be able to save up even more. (´-﹏-`；)