Heading Emergency Fund. Make sure you have the ideal amount of emergency funds. For example, the amount of funding is ideal for a family with two children, a minimum size of 6 x regular monthly expenses. If your regular monthly expenses of Rp. 5 million, then the amount of emergency fund of at least Rp. 30 million were deposited in a separate account.
Debt Heading Home. The balance of the mortgage debt should be reduced compared to last year. Check your debt discharge reports to determine if there is an interest rate hike.
Postal Credit Card Debt. If you still have credit card debt, pay off all the rest of the bill with funds from the rafters bonus. Stop using credit cards and replace it with a debit card.
Investment Pos. Check the size of your investment assets. Ideally, at the beginning of this year there was the addition of 10% from the beginning of last year. If the last year of your assets of Rp. 10 million, for example, the early 2014's and has minimal assets to Rp. 11 million.
Postal Insurance. Check the life insurance policy that you have today and check out huge money coverage. The amount should be sufficient for your family.
Source: H. Pritchard Ghozie, SE, MCom, ZAP Finance
