Estimates of monthly expenses:<\/p>\n
Case 1: Christian, a section head at the Ministry of Mines and
\nEnergy, level IV for two years, married and has a five-year-old
\nand a 13-year-old:<\/p>\n
- Maximum total earnings, including<\/p>\n
net minimum salary of Rp 900,000<\/p>\n
with extras from projects<\/p>\n
allowances include car, driver,<\/p>\n
fuel, with extras from projects Rp 3,000,000<\/p>\n
Expenses:<\/p>\n
- Monthly supplies 300,000<\/p>\n
- Daily meals\/gas 200,000<\/p>\n
- Servant's wage 55,000<\/p>\n
- Garbage\/security 10,000<\/p>\n
- subscriptions 25,000<\/p>\n
- arisan (collective savings) 50,000<\/p>\n
- family transportation apart from business 150,000<\/p>\n
- school fees 100,000<\/p>\n
- electricity 75,000<\/p>\n
- TV tax 6,000<\/p>\n
- health costs (later reimbursed) 100,000<\/p>\n
- telephone 40,000<\/p>\n
- recreation 100,000<\/p>\n
- savings 100,000<\/p>\n
---------<\/p>\n
Total Rp 1,311,000<\/p>\n
This leaves Christian with Rp 2,289,000 a month.<\/p>\n
Case 2: Taufik, 26, from South Jakarta. A elementary sports
\nteacher, level IIB of 6 years, married, no children:<\/p>\n
Salary\/allowance Rp 130,800<\/p>\n
Additional earnings 15,000<\/p>\n
(swimming lessons, Rp 500<\/p>\n
per child, at least 30 pupils)<\/p>\n
Wife's salary Rp 200,000<\/p>\n
(contract by her employer,<\/p>\n
a department store stall owner<\/p>\n
may not be extended after<\/p>\n
delivery of baby)<\/p>\n
-------------<\/p>\n
Total earnings Rp 345,000<\/p>\n
Expenses:<\/p>\n
- Electricity 6,000<\/p>\n
- Transport to workplace<\/p>\n
(both) Rp 1,100x26 286,000<\/p>\n
- Meals in work hours (both) 3,000 78,000<\/p>\n
- collective savings 20,000<\/p>\n
- savings 50,000<\/p>\n
- daily groceries 60,000<\/p>\n
- monthly supplies 30,000<\/p>\n
- kerosene 9,000<\/p>\n
- garbage\/security 2,500<\/p>\n
- check-ups of wife's pregnancy to midwife 5,000<\/p>\n
--------<\/p>\n
Total 536,500<\/p>\n
This leaves Taufik with a deficit of Rp 191,500 a month.<\/p>\n
How to manage: Taufik cut down on costs since his wife's
\npregnancy; he left university, saving on transportation costs of
\nRp 90,000, photocopy costs and stopped his newspaper
\nsubscriptions of Rp 15,000.<\/p>\n
Annual house rent of Rp 900,000 was borrowed from school
\ncooperative. Parents lent the annual fee of the private
\nuniversity of Rp 450,000. Other needs borrowed from
\nacquaintances.<\/p>\n
Savings are for delivery of baby.<\/p>\n
Case 3: Budi, 39, of Tangerang, district official, level IB of
\nsix years, married with three children, five to 13 years old:<\/p>\n
Minimum total earnings, including a net<\/p>\n
salary of Rp 86,000 (plus tips) Rp 200,000<\/p>\n
Expenses:<\/p>\n
- Electricity Rp 6,000<\/p>\n
- School fees 7,700<\/p>\n
- Children's transportation<\/p>\n
and allowance, savings 20,000<\/p>\n
- Daily meals 150,000<\/p>\n
- supplies 30,000<\/p>\n
- kerosene 9,000<\/p>\n
- TV tax 3,500<\/p>\n
-------<\/p>\n
Rp 226,200<\/p>\n
This leaves Budi with a deficit of Rp 26,200 a month.<\/p>\n
Budi doesn't have rent, collective savings, security\/garbage
\ndues, rice, or transport costs because he works close to home.<\/p>\n
How to manage: Borrow from friends or superior in emergencies.
\nWife saves from daily meals expenses to buy supplies. A friend
\nprovided costs for Budi's study this semester at the open
\nuniversity. School books can be photocopied or handed down if
\npossible. Parents still help sometimes.<\/p>\n
Bonuses help for annual Idul Fitri festivities. Buy cheap
\ndrugs for light illness, visit cheap community health center for
\nmore serious problems. Astek (health insurance) cards are only
\nused when really necessary, given still poor services.<\/p>\n
** Notes: other cases reveal that housewives often help with
\ntrade or other activities.<\/p>",
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"sponsor": "Okusi Associates",
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