🏠
Ghar Ka Budget — Monthly Tracker
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MAAHIR
CHEAT SHEET
🏠 Ghar Ka Budget — Monthly Tracker
Month: Total family income this month (Rs):
💰 Plan (fill at month start)
| Category | Budgeted Rs | Spent Rs | Difference |
|---|
| Rent / housing | | | |
| Utilities (electricity, gas, water) | | | |
| Groceries / kitchen | | | |
| School / education fees | | | |
| Transport / fuel | | | |
| Mobile / internet | | | |
| Health / medicines | | | |
| Committee (BC) contribution | | | |
| Debt / qist installments | | | |
| SOFT / SAVE (see below) | | | |
| TOTAL | | | |
🛡️ The 3 money moves
- SOFT — emergency fund: save until you hold 3 months of kitchen + rent + bills. Keep it in a SEPARATE account you don't touch
- SAVE — golden rule: pay yourself FIRST — move savings to a separate account the day salary arrives, spend what remains
- PROTECT: no investment offer from any WhatsApp group until the emergency fund is full and the red-flags checklist is passed
📝 Weekly 10-minute review (whoever runs the house)
| Week | Sat down with all receipts? | Updated "Spent" column? | Biggest surprise this week |
|---|
| Week 1 | | | |
| Week 2 | | | |
| Week 3 | | | |
| Week 4 | | | |
✂️ Where families usually leak money
- Grocery "deals" bought on instalment markup
- Loan apps used for daily expenses (the interest restarts every month)
- Multiple small load/parcel purchases never counted as spending
- Committee pot spent instantly instead of moving to SOFT that month
Teach the kids: involve children older than 10 in the weekly review — budgeting learned at home is the best scam protection for life.