Perencanaan Biaya Hidup Rumah Tangga Jakarta

Sebenernya sudah membahas sedikit tentang Financial Planning 101 di blog Salsabeela.com tapi karena ngebaca twitter-nya @mrshananto tentang pembagian dana-dana bulanan, jadi berminat juga untuk ikutan mengamati keuangan rumah tangga sendiri, biar nggak terlalu boros.

Jadi pada saat gue terima uang, bisa transfer dana berikut ke rekening lain:

Monthly Cash

  • Dana charity rutin Rp 400.000
  • Gaji si Mbak (half day maid) Rp 400.000
  • Telpon rumah, XL Blackberry Istri, XL iPhone suami, Matrix Istri, Esia Istri Rp 800.000
  • PLN Rp 350.000
  • Internet Rp 350.000
  • Groceries Rp 1.000.000
  • Insurance/Unit-Link Rp 500.000
  • Bengkel Rp 1.000.000

Total Rp 4.800.000

Weekly Cash

  • Bensin Rp 150.000
  • Transportasi ke Kantor Rp 50.000
  • Galon Rp 25.000
  • Lunch di kantor Rp 50.000
  • Belanja sayur/daging Rp 200.000
  • Tol/Parkir Rp 100.000
  • Jajan/Nonton/Belanja Weekend Rp 500.000

Total Rp 1.075.000 x 4 (minggu) = Rp 4.300.000

KPR Rp 3.700.000

Sisa budget: Kartu Kredit & Investasi

Kesimpulan dari analisa ini:

  • Total yang harus disisihkan per bulan ke rekening lain Rp 9.100.000 (plus KPR jadi Rp 12.800.000). Bleh, me and hubby live with no kid, what’s up with the spending. Expect myself to do budgeting like Chandra.
  • Rekening telpon kebanyakan >.<; Will consider untuk menutup akun telpon yang tak lagi penting
  • Mobil hampir tiap bulan ke bengkel, consider to sell it and getting a new younger car
  • Hanya mengambil duit di ATM 1x seminggu Rp 1.075.000 jadi nggak bolak balik ke ATM
  • Kartu Kredit tagihannya mengejutkan terus, that I can’t put it here because jumlahnya beda-beda tiap bulan, time to really careful using that plastic money
  • Of course I know there are more ‘unexpected costs’ details, I’m not used to listing all of it. But with this kind of scratch budgeting, things looking more clear for us in terms of financial well-being

Ya sudah, good luck for us all, semoga bisa makin banyak terkumpul dana tabungan dan investasinya ^^

Posted on January 31st, 2010 by salsabeela  |  2 Comments »

Too Hot or Too Cold

Gue baru tau kalau ternyata masalah gue dan suami gue selama ini adalah masalah umum yang dihadapi setiap pasangan (yang baru) menikah. Masalah itu adalah AC kamar. Yak, gue adalah tipe yang gampang kedinginan, dan suami adalah tipe yang selalu kepanasan. Sooo… AC kamar bisa diset dingin banget ama suami, and I’ll be the one who turn it off di tengah malam and my hubby will turn it on again jika ia kebangun kepanasan :D

I use a bloody thick blanket aja plus cuddling with my hubby and it really helps. How about you? Do you have the same problem?

Posted on January 31st, 2010 by salsabeela  |  2 Comments »

PMS: I Feel Like a Woman

Dalam tiga hari belakangan, gue merasa super down and low. Extremely unhappy. Like never before. I even cried for no reason!! That is so weird. Only 1 thing that could explain that: PMS (Premenstrual Syndrome).

Karena gue adalah wanita berhati laki-laki, maka gue agak heran dengan fenomena ini. This is new to me (kemana aja gue). Dalam kebingungan, akhirnya gue minta suami gue beli 2 cokelat, 1 Toblerone, 1-nya lagi Silver Queen. Langsung deh munching chocolate kayak ulet bulu makan daun. Untungnya setelah itu emosi gue membaik. Berarti untuk pertama kalinya gue membuktikan khasiat cokelat untuk meredakan PMS :P

Jadi dulu, waktu gue baca wanita hamil suka ngerasa down sendiri and suka nangis-nangis tanpa sebab karena hormon tak stabil, gue pikir mereka manja aja. Mana mungkin nangis tanpa sebab?? Eh ternyata bisa juga toh! What a sophisticated life!

Posted on January 17th, 2010 by salsabeela  |  6 Comments »

One More Reason

I got back from a very bad traffic today. As we know, Jakarta, the city we love (and hate) always have a bad traffic after heavy rain. I stuck in a cab for 2,5 hours (in a distance that usually took me only 30 minutes), and it was damn cold in the taxi. When I arrive home, my husband kissed me and feel that my body felt so cold. I was so tired and went straight to bed. He hug me in bed to warm my cold body, massaging my stiff shoulder, rub my feet until I fell asleep. I woke up 2 hours later, recharged. Next thing we did is experimenting with a new dish: Onion Ring, in our tiny kitchen. It was fun and we have dinner together happily.

I love my husband for many reasons, but I guess, I found one (or two) more reasons to love my husband today.

Posted on January 7th, 2010 by salsabeela  |  No Comments »

Cooking Resolution 2010

I’m watching this Julie & Julia movie over dinner with my husband. It’s a true story about Julie Powell that has been so inspired by Julia Child, a bestselling cookbook writer, and decided to write a blog about cooking 524 recipes of Julia Child CookBook ‘Mastering the Art of French Cooking’ in 356 days.

Blog-nya Julie Powell bisa dilihat di sini dan sekarang dia sudah ngeblog di sini.

Dan sekarang, karena sangat terinspirasi, saya jadi ingin masak dan nulisin tentang itu di blog (seperti biasa sih), tapi kali ini ada targetnya untuk bisa bikin masakan-masakan yang favorite keluarga sendiri. Jadi tahun 2010, gue harus bisa masak:

  1. Tom Yam Gung
  2. Chicken Cordon Bleu
  3. Donat Kentang
  4. Fish & Chips with Tar Tar Sauce
  5. Macaroni Schotel
  6. Beef Rollade
  7. Risol Beef Cheese (American Risol)
  8. Ayam Kuluyuk
  9. Chicken Katsu
  10. Pu Yung Hai
  11. Tempura
  12. Ayam Goreng Tepung dan Jamur Goreng Tepung yang sempurna
  13. Fillet kakap panggang
  14. Steak saus jamur
  15. Salad
  16. Bitterballen
  17. Banana cake
  18. Cheese stick
  19. Kastangel
  20. Semur bola-bola daging
  21. Steak Lidah Sapi
  22. Omelette Spanyol

Hmm apalagi yaaa… ya udah gini dulu deh nanti ditambahin sendiri sesuai keinginan :D

Wish me luck!

Posted on January 2nd, 2010 by salsabeela  |  4 Comments »

About a Baby

“When does it hurt?” my husband repeats gently. His compassionate tones massage my aching heart.

“When women complain about morning sickness. When friends who have been married a couple of months post sonogram pictures online. Every time I see a baby. When I hear women say ‘oh, I’ve had my two and now I’m done.’ When I see you playing so sweetly and naturally with our nieces and nephews. When nosy people ask ‘when are you going to start your family?’ When I see the pregnant teens in my religious ed classes. When I pass the baby clothes section of a store. When judgmental old ladies in the pews feel it their duty to tell me contraception is evil. When I pray novenas and get no answer. When I think of the women who kill their babies. When I cook dinner… for just 2 people. Pretty much all the time.”

Taken from this blog. Felt the same way. 

Posted on December 25th, 2009 by salsabeela  |  7 Comments »

1st Wedding Anniversary

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Alhamdulillah, hari ini tepat 1 tahun kami membina rumah tangga. Nggak ada perasaan lain selain bahagia. Overall, selama setahun menikah, banyak progress dalam hidup kami berdua yang sebelumnya tak pernah dibayangkan. Inilah bagian dari ‘rejeki menikah’ yang banyak dibicarakan orang. Kami belajar untuk mengambil keputusan finansial (saat membeli mobil dan rumah), belajar mengerti keinginan satu sama lain, belajar sabar, belajar menjadi bagian dari keluarga besar, belajar menjadi istri dan suami yang lebih baik setiap harinya. Semoga tahun-tahun berikutnya, cinta kami tetap terjaga dan kalaupun ada yang berubah, berubahnya ke arah yang lebih baik. I love you my husband, now and always!

Posted on December 20th, 2009 by salsabeela  |  6 Comments »

I’m in Love with a Bad Boy

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Blair : Chuck, NYU is not the Upper East Side. They don’t care about Constance, or social hierarchy. They don’t care that I’m Blair Waldorf! It’s over.
Chuck :
How can you do this to me?
Blair : What are you talking about?
Chuck :
I’m Chuck Bass. And I told you I love you. You’re saying I’m easier to win over than a bunch of pseudo-intellectual homesick malcontents. You really insult me like that?
Blair : That’s not how it is.
Chuck : It’s exactly how it is. The next time you forget you’re Blair Waldorf, remember I’m Chuck Bass. And I love you.

-Gossip Girl Season 3, Episode 4: “Dan de Fleurette”

Posted on November 9th, 2009 by salsabeela  |  4 Comments »

Ollie’s Es Campur

Ceritanya nggak tau sejak kapan, gue tiba-tiba seneng minum es campur. Mungkin karna akhir-akhir ini Jakarte HOT banget kali yaaa…. Jadilah pada suatu hari yang nggak jelas, gue dan suami belanja bahan-bahan untuk bikin es campur. Asli nebak-nebak aja karna nggak gitu tau komposisinya :D Ini semua bahan yang dibeli di supermarket:

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Trus karena namanya Es Campur, yaaa… semua bahan-bahan di atas seperti kolang kaling, rumput laut, cincau, sirup leci, dan susu carnation, dicampur aja tumplek blek jadi satu.

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Ya udah gitu aja. Jadi deh, tinggal diaduk :D Resultnya ternyata kemanisan jadi tambahin aja terus air/es yang banyak :P

 So far yang nyobain sudah 4 orang and tu es campur belum abis juga, jadi kira-kira dapetlah 6 porsi. Mayan juga kali ya untungnya kalo gue jualan es campur and bahan-bahan gue beli di pasar *otak-dagang-muter*

Selamat bikin es!

Posted on November 8th, 2009 by salsabeela  |  3 Comments »

Honeymoon in Jogja

_mg_2804.jpgSpend the weekend in Jogja together with hubby. Full story please read here.

Posted on November 4th, 2009 by salsabeela  |  No Comments »