Household budget

My mum always nag me on not pampering myself and I'm a stingy bitch who always tell the whole world I'm poor... To her, we are suppose to only show our good to others and sweep the bad under the rag... We are suppose to spend and enjoy ourselves... Why can't I be a little tiny bit like her...

Oh well, I don't purposely tell the whole world I'm poor..it's just that the way I chose to spend the money is totally different from my mum..my big boss is a salaried man, our income is pretty fix and I'm a sahm/wahm. I got my own income but very small amount, sometimes not even enough to cover anything at all...so yes I'm poor since my income is not fix haha...

We can't spend per meal eating hundred of dollars, we can't sit cafes everyday, we can't shop without looking at the price tag, we can't just buy whatever we want because our mthly income is limited. It's different with my mum or sis which they own their own business, their income goes by 5 to 6 digits  per mth... Of course having own business is a luxury but not everyone got the business luck...

Matter aside, my little family is considered the middle income family... We own our own house and two cars...but we still can't afford to spend without thinking.. Beside now, we have to think of future we need savings too...

House loan - rm1xxx (apt in mainland)
Car loan - rm1xxx (for 1 car, as mine already clear from loan)
Utilities - rm1xxx (tnb, pba, unifi, maintenance fees, indah water, astro, etc)
Sundries - rm5xx
Groceries - rm5xx (inclusive my homecooked meal)
Insurance - rm7xx (4 of us at the min)
Eating out - rm4xx (once or twice per week)
Kids sch fees - rm1xxx

This is our must need household income per mth which currently fully bear by big boss...which haven't include saving, credit card payment, car wash, car maintenance fees, petrol etc....

How can we have the luxury to spend more? This is already above average of a lot of other people...which I'm very thankful that big boss really work hard to provide his family all this... And friends who help a little along the way when I really needed them...
The little 3 is coming along.. We need to spend extra on diaper... Uh oh...

I'm still looking for something that I can work at home and stable enough to help on my little family...

On the next post I'll share about how I shop... Smart shopping aka stingy mama shopping...lol...