496----- Neglect spending at home

O ! we neglect spending at home and it is also very important,as we wait for Govt budget throughout the year ,our home also requires intelligent way of spending tactfully .The economists believe that the necessity is to be ,met out by fulfilling our desires and need basically based on 1---essential essentialities 2---optional s or luxurious items.In a middle class family and that too struggling for survival in Bharat in particular,for a salaried person ,a little mistake not only derails the home economy,but puts a lot of problems and until and unless there is deficit financing either through from loans or graceful help from close ones,It does not come on the right track .
However,it may be summarized to the minimum in the following way---
1-automobiles---vehicles/maintenance /fuel/or public transport
2-family---clothing/saloon/domestic items/washerman/marketting for the essential marketting
3-food---flour/rice/veg/spices or kitchen items
4-entertainment-DTH/net/movie /
5-health care/fit and fine formula/sudden medical expenses
6-loan -home/personal/from friends or close ones
7-home-library-newspaper/magazines/books etc
8-personal---pocket/liking's
9-tax --income/wealth
10-utilities----light/water/mobile/laptop etc
11--education--family/children/self/fees and fine
12--insurance--policies both long term/short term
13---social service or contribution
14--innovative projects at home/risk factor
15---social relationship/get to gether /marriage program/vacation
16---sudden or emergency
or the list may be unlimited for spending.However,we should value the money ,as some poet has said"Money,money money,sweeter than honey or brighter than sunny" .Our philosophy also brings it just after Dharma ,. we have to be careful while letting a penny slipping out  from the pocket-----!
(Archna and Raj)