Re: Surviving on low income
What is your basis for this doubt? when budget is tight, every little bit helps.
It's a pity that you think the world actually operates in a mathematical model ....
Re: Surviving on low income
You're roughly surviving on £220 pm. Average cost of living in the city of Karachi is about £240 pm. 10%+/-
The most expensive things in Karachi are eating at restaurants or high end goods like electronics. After all, Karachi is probably the cheapest city in the world in terms of living costs otherwise.
Point is that if you budget what you have well enough you should be Ok to survive however, that does include having a word with your extended family.
Re: Surviving on low income
You're roughly surviving on £220 pm. Average cost of living in the city of Karachi is about £240 pm. 10%+/-
The most expensive things in Karachi are eating at restaurants or high end goods like electronics. After all, Karachi is probably the cheapest city in the world in terms of living costs otherwise.
Point is that if you budget what you have well enough you should be Ok to survive however, that does include having a word with your extended family.
Peace CEO1
I'm not sure where you got your data from, but it appears, that OP is surviving on less than the average and feeding the relatives ... So much for mathematical models ....
Btw is that average for 1, 2, or family of 8?
Re: Surviving on low income
It's a pity that you think the world actually operates in a mathematical model ....
It is a pity you think it does not.
Re: Surviving on low income
It's a pity that you think the world actually operates in a mathematical model ....
Save your judgment for someone else.
Re: Surviving on low income
It is a pity you think it does not.
Why? I'm not complaining and by following the methods I have stated I have seen improvements ... My life is proof of that ...Alhumdulillah
Re: Surviving on low income
Save your judgment for someone else.
And Peace to you too
Re: Surviving on low income
Peace CEO1
I'm not sure where you got your data from, but it appears, that OP is surviving on less than the average and feeding the relatives ... So much for mathematical models ....
Btw is that average for 1, 2, or family of 8?
Peace
It is based on a average family. In terms of a number I would probably think 3+ however have nothing specific. Data is from a study I did 2 years ago and I realise prices fluctuate hence the 10% points. Also, I have family in Karachi and it gives me an idea roughly.
Re: Surviving on low income
And Peace to you too
Very kind of you, I am sure.
Re: Surviving on low income
Peace
It is based on a average family. In terms of a number I would probably think 3+ however have nothing specific. Data is from a study I did 2 years ago and I realise prices fluctuate hence the 10% points. Also, I have family in Karachi and it gives me an idea roughly.
Nonetheless ... You feel she must be doing something right to sustain that lifestyle with such an income from her hubby ...
Re: Surviving on low income
mt3g ... May Allah give you more ... For being so generous .... Ameen
Re: Surviving on low income
Nonetheless ... You feel she must be doing something right to sustain that lifestyle with such an income from her hubby ...
Definitely. The number I have given is probably going to be a bare minimum.
There is always room for improvement but the major cost is the extended family that come to stay over etc.
Re: Surviving on low income
Never fihured out why a request for help with financial planning has to turn into a discussion of marality and religion. We all know it is good to feed relatives, and most would consider it a pleasure and privilege to offer any foodo they have to extended family and friends.
But it is mind boggling that a request for tips on how to budget turns into a lecture fest about why Allah/Bhagwan/Jesus would bless you if you are generous etc.
At times, its is OK to get off one's religious perch and just relate to common everyday problems.
Re: Surviving on low income
Never fihured out why a request for help with financial planning has to turn into a discussion of marality and religion. We all know it is good to feed relatives, and most would consider it a pleasure and privilege to offer any foodo they have to extended family and friends.
But it is mind boggling that a request for tips on how to budget turns into a lecture fest about why Allah/Bhagwan/Jesus would bless you if you are generous etc.
At times, its is OK to get off one's religious perch and just relate to common everyday problems.
Oh the seculars .....
I did give pointers as well ... But the OP didn't give any details of other expenses ...
Re: Surviving on low income
^ aap se argument nahin karna humein. You are a gentleman, and we just differ in our approaches.
Peace.
Re: Surviving on low income
Ok here is a professional reply to those who are yearning for a bit of management science ...
First account for every penny ... Find out where your money is going ..
Next ... Plan out which are essential and which are not ....
Find out with bills if things can be reduced such as less telephone calls and more yahoo messenger calls ... For example ...
Find out if you can get wholesale food items that last longer rather than going to the normal places for buying your shopping ..
Travel with others take wagons instead of rikshas get hubby to do shopping as he comes back and to work instead of spending more on your outings to buy the things that he could buy ...
Try to use less heating or cooling by making the home more energy efficient ... This is harder because you will need initial capital to do this ... But carpets are good for keeping in heat ...
do local committees if they available in your area ...
Try to get your hubby to get pay rise or promotion or look for better work ... Improve his CV so he can improve ... Never let yourself stay too complacent and always try to improve ...
Also ... You can set aside days to fast and get your family members involved in that too
But my first suggestions are far more effective trust me ....!
Re: Surviving on low income
Re: Surviving on low income
Ok here is a professional reply to those who are yearning for a bit of management science ...
First account for every penny ... Find out where your money is going ..
Next ... Plan out which are essential and which are not ....
Find out with bills if things can be reduced such as less telephone calls and more yahoo messenger calls ... For example ...
Find out if you can get wholesale food items tat last longer rather Han going to the normal places for buying your shopping ..
Travel with others take wagons instead of risk has, get hubby to do shopping as he comes back and to work instead of spending more on your outings to buy the things that he could bought ..
Try to use less heating or cooling by making the home more energy efficient ... This is harder because you will need initial capital to do this ... But carpets are good for keeping in heat ...
do local committees if they present ...
Try to get your hubby to get pay rise or promotion or look for better work ... Improve his CV so he can improve ... Never let yourself stay too complacent and always try to improve ...
Also ... You can set aside days to fast and get your family members involved in that too
But my first suggestions are far more effective trust me ....!
Yeh huyi naa baath.
Excellent suggestions - and have undelined your last sentence - fully agree with the spirit.
Re: Surviving on low income
I was also used to not thinking twice before spending but now I barely ever spend at all. I am trying so hard to make him tell him family that they need to understand the situation he's going through. We never have money for cng or calling cards for phone or even eating out once in a while because he gives all his salary in his mom's hands, and instead of using it wisely she spends it on food for her daughters and their kids. Then too, she is always asking for money and in return my husband would borrow from his friends to give her more money. Growing up I have always seen my parents give. I have also always been a giver but now I feel so guilty every time he asks for money. He is upset too and we have had arguments in the past but I am tired of fighting. He refuses to talk to his mother or sisters. I cannot talk to them because if I do they will run to him and complain and it will just create problems between us. We tried sitting down and budgeting a few months ago but so far it has not helped. If anything, the things have gotten worst. I don't know what we can do to minimize expenses without hurting his relatives' feelings ... It is such an embarassing situation for me that I cannot even discuss it with my family. I don't know how others survive on low income because experiencing it first hand I feel that only in storybooks is it possible to live happily ever after without money ...
Re: Surviving on low income
Is it possible at all for you to get a job? Perhaps in a school? Parttime? In your situation it seems to me that the smallest bit of money will help out. How about by offering tuitions?
I was also used to not thinking twice before spending but now I barely ever spend at all. I am trying so hard to make him tell him family that they need to understand the situation he's going through. We never have money for cng or calling cards for phone or even eating out once in a while because he gives all his salary in his mom's hands, and instead of using it wisely she spends it on food for her daughters and their kids. Then too, she is always asking for money and in return my husband would borrow from his friends to give her more money. Growing up I have always seen my parents give. I have also always been a giver but now I feel so guilty every time he asks for money. He is upset too and we have had arguments in the past but I am tired of fighting. He refuses to talk to his mother or sisters. I cannot talk to them because if I do they will run to him and complain and it will just create problems between us. We tried sitting down and budgeting a few months ago but so far it has not helped. If anything, the things have gotten worst. I don't know what we can do to minimize expenses without hurting his relatives' feelings ... It is such an embarassing situation for me that I cannot even discuss it with my family. I don't know how others survive on low income because experiencing it first hand I feel that only in storybooks is it possible to live happily ever after without money ...