Budget planning for the month of October 2021

Credit Card
Room Rent40008097
Charge40Drainage
Electrycity350apx
Charge7apxDrainage
Credit card Charge700apxDrainage
Monthly Grocery1000
Train Tickets2000


Paytm2612
Mobile Recharge398?2gb+12gb?
Mobile Recharge79
Mobile Recharge79
Internet98Use company sim
Medicine625
Cerelac544
Train Tickets
Birthday Gift789


Savings Account13146
Gas4404kg
InvestmentBajaj EMI2994Must Utilize
HDFC EMI1400Bad debt
Vegetables500
Fish5001.25kg
Chicken2501kg
Fruit400
Liquid Milk Local Grocery25010P
Muri Local Grocery602P
Chal Local Grocery40010kg
Suji Local Grocery25500g
Egg Local Grocery24040P
Evening Snacks200
Street Food200
Biriyani300
Ridhaan Injection2200
SavingsRecurring Deposite200
InvestmentBitcoin Investment100
Pampers4803chain, 48P
ola
Water jar3006Jar
SavingsAPY292
TOTO240
Street TEA50
BUS100
Baby Products220oil, body wash
InvestmentWeb Hosting235Must Utilize
InvestmentContent Writing Payment500
Paytm Charge70Drainage


Grand total ExpenseGrand Total IncomeDifference
2385519804-4051
Salary18200
TA750
Notion Press854
Student Admission
Student Admission
Student Admission
Student Admission
Student Admission                       


Observation 

1. Slowly Minimize the Credit card and Paytm dependency.

2. As I am investing in web hosting so I need to utilize the investment by adding more content that lead to sales of books, course and web design service.

3. As I know digital marketing and I have data so I must do marketing activity daily to sell my spoken English course and IT course. YST page need to be more than ready for Marketing, Also yst page and blogrator main page should be linked for better results. How about "BLOGRATOR ACADEMY" in blogrator main section. BLOGRATOR ACADEMY AND WEB SERVICES.

4. I have purchased another Laptop that I am paying EMI every month, So I need to start Computer & Soft skills Training ASAP.

5. This budget shows that I will have 4000 rupees shortage so I have target of 4 student admission in this month. Besides I am having 4 running students where I can cover 3000 thousand. It will be better if target is achieved. 

6. This month is Durgapuja. The budget is totally excluded the festival expenses. 


Why salary is not covering the budget?

New laptop EMI, and old HDFC EMI is the main reason. My old laptop isn't at very good condition so I decided to buy a new mini laptop to support my work, I have to pay EMI for 6 months for that. This is also a planned investment. Because if this low cost laptop supports rough work then I can buy more laptops like that that will help me to open my computer center in future.

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