Pay at the beginning of the month, but not the end of the month, the money we have been very low. Once or even often happen? May have to be changed from the way we manage our spending money. According Ligwina Hananto, financial planners of Quantum Magna Financial, money management is part of our lifestyle. Then how do we make it part of our lifestyle?
Focus On Expenditure
We must stop thinking about how much salary to go to our bank account. The management of this money even concentrate on our spending, not earning it. Usually, the greater our revenue, a tendency for the more luxurious life style also became bigger. Therefore, we must manage the expenditure is well.
Compulsory Saving
Regardless of the revenue we get, we should be set aside at least 10% of the revenue. This is for the sake of the future. No need feel distress, there is an easy way. We just need to make two separate accounts. A bank account to receive salaries, and special account B for our savings. When we receive a salary, make sure the next day, we have 10% of salary transfer to our bank account is a special savings.
Installment debt
Debtor or credit is not prohibited in the financial planning, but very careful in selecting needed a way to much. Make sure that we turn from credit card debt. We can use a credit card at will, but remember to always pay off debt at maturity, never through. And again, we must consider the use of the goods in akan Cicil. Buy a laptop a year dicicil several years with the use of reasonable, but owing to a holiday for a week and dicicil for three months, it does not make sense!
Do not Ignore Routine Expenditure
Routine expenditure is expenditure that can not be ignored. Like any style of our lives, we certainly have a certain quota of expenditure. Nah, this should be routine expenditure really is since the beginning.
Personal Expenditure stop
This is actually spending the most powerful break defense spending because our expenditure for this is things that all fun in our lives. Should, without the expense this time, our lives are still OK. Therefore, this is the expenditure that should be in the stop.
Choose to live sparingly indeed felt as a difficult life choice, but we can do it gradually. As a beginning, check the list one by one in expenditure. Then specify where the actual expenditure and should not actually need. That way, we can reduce unnecessary spending and save money. Be thrifty lifestyle.
