Source of fund is Profit after Tax available from Business, Profession or Salary.. Follow 50/30/20 rule as one of the option to monitor your expenses or to allocate.. your budget can be surplus (where Income Exceeds Expenses), balanced (where Income equals Expenses) or deficit (where Expenses Exceeds Income). Broadly Speaking Expenses are bifurcated into Needs & Wants, which needs to be wisely classified. eg of expenses can be Deeni Exp (FMB, Wajebaat etc) Houshold (Utilities,m Utensils, Repair & Maintenance) and many more. For more details or hands on household budget you can visit Tijaraat Rabeha Resource section to download file and have a hand-on

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Hello, In a competitive market, growth is very difficult, especially when competitors are big. you need to create a blue ocean for your self, these are some ways I have personally done to gain from the competitive market. 1.create the same product with different materials, which are cheaper in price, and can provide same result. 2.create an entry barrier for your product- get your product patented or have some certain certification which is difficult for others to create or takes time. 3.create a brand name for your product, this is a long term process. on the contrary to this, I would also suggest, as you have a small Freelancing business and not too much capital is invested, you keep adding new products and stop working on competitive products till u reach a point where you find a field where you are able to grow rapidly and earn good profit. at the end of the day, no one likes to stay in a market that is very competitive and growth is not their. hope this helps.