Age is increasing, so is work experience, but the financial condition is not getting better? This is questionable. It could be that this is the impact of how to manage finances that is still the same as before so that financial conditions do not experience significant changes from time to time. Fortunately, you are aware, so that various corrections can be made immediately so that financial conditions will slowly improve as expected. However, the question is how to get the highest possible credit score?
The budget that has been used as a guideline does not necessarily match the realities of expenditure in the field. It would be better if you do rearrangement for every post that becomes your expenses for one month. Rearrangements will help you get a real picture so that the money you spend is according to plan. Since this setup requires detailed calculations and observation, it’s best to take the time to work on it casually. Thus, you can compile the right budget, this month. Then use this budget as a guideline for preparing the next month’s budget. There are two categories of costs that must be met in a month, namely needs and wants. Since you are in the stage of improving financially, just prioritize what your needs are. Meanwhile, the wish is put aside for the time being because it is not too urgent.
Food, drink, transportation, electricity, water, health, and internet costs are a series of costs that fall into the basic needs category. Allocate funds to meet these needs first, then other needs. Thus, the money you have is not used up for nothing. Everyone has a different lifestyle, some are frugal, ordinary, and luxurious. And for you, try to adopt an economical lifestyle because it helps improve financial conditions which are currently deteriorating. You can trim some posts that are over-budgeted, so they can be allocated to other posts that are under-budgeted.