- March 5, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Money Worries: Budgeting Woes
Hello everyone,
Lately, I’ve been feeling increasingly concerned about my financial situation. Over the past couple of years, I’ve diligently tracked my income and expenses, only to find that my spending seems to be spiraling out of control. Last year, my expenses surged by a whopping 50%, and this year, they’ve shot up by yet another 50%.
In 2023, my monthly outgoings were 50,000 rupees, while my income stood at 100,000 rupees. However, in 2022, my parents urged me to invest in a house, leading to additional monthly payments of 25,000 rupees towards the home loan. They also insisted on me purchasing a car, saddling me with another 15,000 rupees per month for the vehicle loan. In total, a staggering 40,000 rupees are earmarked solely for loan repayments.
Moreover, there are other essential expenses like groceries, amounting to roughly 10,000 rupees each month. Additionally, I allocate 3,000 rupees monthly to support my mother, while my father has recently requested financial assistance, which I’ve agreed to by allocating 5,000 rupees per month.
In the last three months, my monthly expenditure has ballooned to 80,000 rupees, significantly exceeding my budget of 60,000 rupees. To compound matters, commencing next month, an extra 20,000 rupees will be earmarked for commuting to my workplace in a different city every month.
Given this predicament, I’m at my wits’ end. I’m contemplating only repaying the loans (40,000) and travel expenses (20,000) from now on while informing my parents that they must manage their own financial obligations.
If any of you could offer some guidance or advice on how to navigate this tricky financial situation, I would greatly appreciate it. Thank you for lending me an ear.
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