Expense Tracker for Daily Wage Workers Pakistan — Mazdoor Ka Budget

مزدور پاکستان کی معیشت کی ریڑھ کی ہڈی ہے — لیکن مالی منصوبہ بندی سب کے لیے ضروری ہے۔

Daily wage workers — construction laborers, factory workers, agricultural laborers — have unique financial challenges: irregular, daily income.

Daily Wage Financial Characteristics

• Income varies day to day (dull days = no income)
• Weekly or bi-weekly payment in some sectors
• Cash-based transactions primarily
• No formal bank account in many cases

Daily Income Tracking with Jumble

Log each day's wage as income:

• "April 1 — Mistry ka kaam: Rs 800"
• "April 2 — No work"
• "April 3 — Construction site: Rs 800"
• "April 4 — Half day: Rs 400"

Monthly total shows average income and bad months vs good months.

Simple Budget for Daily Wage Worker

| Category | Weekly | Monthly | |---|---|---| | Food for family | Rs 2,000 | Rs 8,000 | | Rent | — | Rs 5,000 | | Transport to site | Rs 500 | Rs 2,000 | | Savings (small) | Rs 200 | Rs 800 | | Total needed | Rs 2,700/week | Rs 15,800 |

At Rs 800/day × 5 days/week = Rs 4,000/week income → Rs 16,000/month After expenses: Rs 200/week surplus — save it.

Building Even Small Savings

Even Rs 200/week = Rs 800/month = Rs 9,600/year.

Emergency fund goal: Rs 15,000 (about 17 months of Rs 800 saving).

This gives protection against illness-induced income gap.

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