{"id":17850,"date":"2022-10-26T18:18:34","date_gmt":"2022-10-26T12:48:34","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=17850"},"modified":"2022-10-26T18:25:17","modified_gmt":"2022-10-26T12:55:17","slug":"budgeting-is-crucial-to-surviving-the-upcoming-financial-uncertainties","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/budgeting-is-crucial-to-surviving-the-upcoming-financial-uncertainties\/","title":{"rendered":"Budgeting is crucial to surviving the upcoming financial uncertainties!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69e7d8182e1f5\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e7d8182e1f5\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/budgeting-is-crucial-to-surviving-the-upcoming-financial-uncertainties\/#The_50-30-20_Rule\" title=\"The 50-30-20 Rule\">The 50-30-20 Rule<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/budgeting-is-crucial-to-surviving-the-upcoming-financial-uncertainties\/#Envelope_system\" title=\"Envelope system\">Envelope system<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/budgeting-is-crucial-to-surviving-the-upcoming-financial-uncertainties\/#Pay_yourself_first\" title=\"Pay yourself first\">Pay yourself first<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/budgeting-is-crucial-to-surviving-the-upcoming-financial-uncertainties\/#The_zero-based_budget\" title=\"The zero-based budget\u00a0\">The zero-based budget\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/budgeting-is-crucial-to-surviving-the-upcoming-financial-uncertainties\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/nav><\/div>\n<p>The global economy has not seen respite since 2019. While the after-effects of Covid were expected, the unexpected international conflict between Russia and Ukraine has added fuel to the fire. An all-hands-on-deck approach is being taken by most counties to stabilize the economy and prepare for any crisis.<\/p>\n<p>&nbsp;<\/p>\n<p>Currently, the situation is precarious, consumers and investors are taking utmost precautions with their financial dealings. At home, the situation is more or less stable but there is still a looming cloud of uncertainty.<\/p>\n<p>&nbsp;<\/p>\n<p>In any case, it has been seen in the past that the middle class experiences a major financial setback whenever there is a crisis. You might have already felt the pinch of rising real estate, fuel, and food prices in the past few months.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.indiatoday.in\/diu\/story\/retail-inflation-8-year-high-daily-items-more-expensive-1948700-2022-05-12\"><img loading=\"lazy\" class=\"alignnone wp-image-17866\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/10\/GFX_1_cpi-1200x1280-1-1-300x300.webp\" alt=\"\" width=\"400\" height=\"401\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/10\/GFX_1_cpi-1200x1280-1-1-300x300.webp 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/10\/GFX_1_cpi-1200x1280-1-1-1021x1024.webp 1021w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/10\/GFX_1_cpi-1200x1280-1-1-150x150.webp 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/10\/GFX_1_cpi-1200x1280-1-1-768x770.webp 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/10\/GFX_1_cpi-1200x1280-1-1-96x96.webp 96w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/10\/GFX_1_cpi-1200x1280-1-1.webp 1200w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>While the pinch is being felt by everyone, some might find it harder to navigate than others. If you are someone who just started their career or someone with a lot of financial responsibilities, the situation might get tricky for you.<\/p>\n<p>&nbsp;<\/p>\n<p>The simplest and most effective way to handle this scenario is to plan your expenses to the T and notice any fluctuations in your spending. If you are yet to start budgeting, then it\u2019s high time you get started.<\/p>\n<p>&nbsp;<\/p>\n<p>A budget will not only help you keep track of your expenses but will also allow you to prioritize certain expenses and analyze the effect of inflation on your finances.<\/p>\n<p>&nbsp;<\/p>\n<p>There is no one way to budget, ideally, you should customize your budget but here are a few tried and tested methods of budgeting to get you started:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"The_50-30-20_Rule\"><\/span><strong><span data-preserver-spaces=\"true\">The 50-30-20 Rule<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">This is the most commonly known method of budgeting. This follows a simple rule 50% of your income goes for needs, 30% for needs, and 20% for investing as well as savings.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">This is a very basic budgeting method used by newbies. The income here is your net income and not gross income.\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/kuvera.in\/blog\/6-smart-ways-to-save-money-from-salary\/#:~:text=Typically%2C%20salaried%20employees%20should%20spend,term%20or%20long%2Dterm%20goals.\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Click here<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0to learn 6 ways you can save more from your salary.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\"><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"wp-image-14483 size-large aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-150x49.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1.jpg 1080w\" alt=\"kuvera-fixed-deposit-online\" width=\"640\" height=\"209\" \/><\/a>\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Envelope_system\"><\/span><strong><span data-preserver-spaces=\"true\">Envelope system<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">This method was mainly used by people who are heavily reliant on cash transactions. The idea is to create different envelopes and label them for different types of funds.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">So, for example, you have 15000 and you want to allocate it to three types of spending. You will create 3 envelopes and add 5000 each for food, transportation, and bills. This way you will only spend what is there in the envelope for that particular expense.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">While the method is traditional and not suitable for digital transactions. You can try digitizing the method by creating one fund for each expense.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Pay_yourself_first\"><\/span><strong><span data-preserver-spaces=\"true\">Pay yourself first<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">This form of budgeting is largely used by small business owners who tend to reinvest their revenues back into the business.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">This is a reverse system of budgeting where you first take out the expenses for yourself and then pay your bills and other expenses.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">This kind of budgeting should be avoided for personal finances and especially for those who are just starting their budgets.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"The_zero-based_budget\"><\/span><strong><span data-preserver-spaces=\"true\">The zero-based budget\u00a0<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">A zero-based budget is great for those who have a tendency to make impulsive financial decisions.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">In this format, all of your disposable income is allocated to certain expenses. After allocation, you are not left with any surplus money. This prevents you from making any spontaneous and unplanned financial decisions.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">You can allocate a certain amount for disposable spending if the method seems too difficult, to begin with. It is one of the most beneficial methods of budgeting.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">No matter what the method is, it is important for you to start and be consistent with your budget. With the fear of financial crises always on the horizon, it is important for you to have some plan and structure for your financial habits. It will make you feel in control of your finances.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube: Expert advice: Investing in international markets<\/p>\n<p>&nbsp;<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/cD4mOCHdP70\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a>\u00a0and\u00a0<a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a>\u00a0and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The global economy has not seen respite since 2019. While the after-effects of Covid were expected, the unexpected international conflict between Russia and Ukraine has added fuel to the fire. An all-hands-on-deck approach is being taken by most counties to stabilize the economy and prepare for any crisis. &nbsp; Currently, the situation is precarious, consumers [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/budgeting-is-crucial-to-surviving-the-upcoming-financial-uncertainties\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":17858,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[593,594],"tags":[1528,595,1798,1796,1797,1267],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Budgeting is crucial to surviving the upcoming financial uncertainties!<\/title>\n<meta name=\"description\" content=\"With the middle class expected to be worse hit by the global economic turmoil, budgeting might be your savior.\" 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