Trapped in procrastination and debt
Hi, I am 27F, married and living with my husband. Its been a year of our marriage but we are still struggling financially. Both of us come from lower middle class so cant beg for money from them now as even they dont have it. I need some advice on how we can save money and budget ourselves. I am a freelancer who handles social media and video editing for clients. I earn 50-60k and in a good month I earn upto 80k
My husband is into corporate and earns 45k
Our monthly expenses reach upto 1lakh and thus creating debts.
We live in Mumbai.
Fixed expense breakdown is as follows:
Rent: 21k
Maid: 8k
EMIs: 13k
Electricity: 1500
Travel: 6k
Food: 20k (5k zomato, 10k zepto, 5k eating out)
Salary that I have to pay to my team: 20k
Total almost 70k
And our current debt is almost at 35k
Please help us as we have zero savings or investments right now. We cant even travel back home as we dont have money to even meet our families.