"Often the problem is not lack of income, but the wrong habits in managing money," said Ligwina Hananto, financial planning experts in an event Ayahbunda some time ago. It turns out, in fact, a father who earn hundreds of millions of dollars could be in shock when he found the money just Rp. 500,000.00 before the end of the month.
Ligwina provide some keys to managing finances simply:
1.Understand your family's financial portfolio.
Do not until you do not know the contents of the savings, the amount of electricity bills, telephone, car servicing, shopping, check out doctors and other costs. 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 personal needs. Nothing wrong insert needs to go to a salon, spa or clubbing. Importantly, realistic budget amount and you also have to comply with the budget.
3.Think 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 shopping 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 / fulfilled or not.
4.Avoid debt.
The temptation for the greater consumptive life. But that does not mean you easily purchase various items on credit. Grow a healthy financial habits start from the simple, such as having no consumer debt.
5.Minimizing consumer spending.
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 these expenses to save money or to meet other needs.
6.Set goals or financial goals.
Arrange the financial targets 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 design. For example, aspire to have international standard of preschool education funds and so on.
7.Saving, saving, saving.
Change habits and patterns of thought. Immediately after receiving a 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 for the savings soar. Though your goals for the family "exorbitant". This is the time to also think about investing. Now various 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!
