Total work Umesh Amrute in civil and construction management.pptx

work done and experience in construction planning management

1. UMESH AMRUTE COMPLETE TASK DETAILS DATE:- 10/06/23

2. LIST OF TASK UMESH AMRUTE ( PERSONAL ) UMESH AMRUTE ( JOBS ) UMESH A AMRUTE(Civil Engg /Contractor) ELIXIR RAIL INFRA PVT LTD BHAVI INDUSTRIES PVT. LTD.

3. UMESH AMRUTE(PERSONAL) Income: Target monthly income:-130000/- 1) Salary :- 100000/- 2) freelance earnings:- 30000/- Total:- 130000/- After-tax amount = 100000/-

4. freelancer Reputed Platform Upwork Freelancer Fiverr Guru

5. Expenses Fixed Expenses:- Rent/Mortgage :- 20000/- Utility :- loan payments:- V ariable expenses Groceries dining out Entertainment Shopping

6. Prioritize: Identify your essential expenses and prioritize them over discretionary spending. Essential expenses include housing, transportation, utilities, debt payments, and groceries. Non-essential expenses are discretionary and can be adjusted or reduced if needed .

7. Set Financial Goals: Determine your short-term and long-term financial goals. This could include saving for emergencies, paying off debt, saving for a down payment on a house, or planning for retirement. Having specific goals will help you allocate your income and manage your expenses accordingly .

8. Create a Budget: Based on your income, expenses, and financial goals, create a budget. Allocate a portion of your income to each expense category, ensuring that your total expenses are within your income limits. Consider using budgeting tools or apps to help you track your expenses and monitor your progress .

9. Review and Adjust: Regularly review your budget to track your progress and make adjustments as needed. It's normal for circumstances and priorities to change, so be flexible and adaptable with your budget. Make sure to account for unexpected expenses and periodic bills by setting aside some funds for emergencies and irregular expenses .

10. Save and Invest: Set aside a portion of your income for savings and investments. Building an emergency fund and saving for the future is essential for financial stability and long-term goals. Consider setting up automatic transfers to savings or investment accounts to make saving easier .

11. Monitor and Track: Keep track of your spending and monitor your progress regularly. Review your budget periodically to see if you are staying on track or if any adjustments need to be made. This will help you stay accountable and make informed financial decisions .

12. Remember, budgeting is a dynamic process, and it may take time to find the right balance for your personal finances. It's essential to be realistic, make adjustments as needed, and cultivate healthy financial habits over time.

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