Financial problems are a common thing experienced by young families, especially in the first years of married life to live. Not to mention the little guy soon present among you and your partner. Really the problem is, the extent of family income?
"Often the problem is not lack of income, but the wrong habits in managing money," said Ligwina Hananto, financial planning expert in an event the mother's father some time ago. It turns out, in fact, a father who earn hundreds of millions of dollars could be in shock when they found the money before the end of the month.
IT-FLEXIBLE NEWS provide some keys to manage their finances is simple from Ligwina Hanant :
1. Understand your family's financial portfolio. Lest you do not know the contents of the savings, the amount of electricity bills, telephone, car servicing, shopping, doctor's office and other expenses. You have to know how much credit card debt, bank loan or mortgage and car.
2. Develop a financial plan or budget. Realistic financial plan to help you be objective about the excessive spending. No need is too ideal, so forget your own needs. Nothing wrong insert needs to go to a salon, spa or clubbing. Importantly, budget a realistic amount and you also have to comply with the budget.
3. Think of a closer understanding between "need" and "want". Quite often we spend money on things that do not matter or just driven a desire, not a need. Make a list in the form of a table that consists of columns for the items, needs and desires. After filling the items, fill in the "needs" and "wants" with a check mark (V). From here consider the more mature, objects or things you need to buy / filled or not.
4. Avoid debt. The temptation for the greater consumptive life. But that does not mean you can easily purchase various items on credit. Grow a healthy financial habits start from the simple, such as having no consumer debt.
5. Minimizing consumptive expenditure. Meet old friends to exchange ideas in the cafe sometimes it is necessary, but it does not mean you should do it in every Friday afternoon. You can use this spending to save or to meet other needs.
6. Set goals or financial goals. Arrange financial goals you want to achieve on a regular basis, as a couple. Set specific, realistic, measurable and within a certain time. This goal helps you focus more financial designing. For example, aspires to have an international standard of preschool education funds and so on.
7. Saving, saving, saving. Change habits and mindset. Immediately after receiving the salary, set aside for savings in the amount you had planned to the purpose or goal of your family financially. Instead, you have separate accounts for savings and daily needs.
8. Invest! Of course you will not be satisfied with just waiting savings soar. Though your ideals for the family "exorbitant". This is the time to also think about investing. Now all sorts of forms. The fear of the investment risk ?! No need to worry, you just need to learn the experts. Consult your finances with a reliable financial expert!
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