It was nice having my own income, can be used for other than personal and family make ends meet, we can also set aside a little for the future of our income. How to manage our personal finances intelligently? Find the answer here:
1. Calculating Budget
Honestly we do not really like thinking about the budget, right? “Hard” or “never succeed”, that is why we are bringing. Like it or not, aka budget budget is an important tool for financial management. You can see how much money you have, where are “gone”, and how much is left.
Tip: According to the consulting services / accountant and director of the Women’s Financial Network, Susan Jackson, said the budget seemed to be more positive with the money instead of just planning, spending plan or cash control. As he writes in his book Why Saving Is Like Dieting and budgets Do not Work, says the budget is similar to the word diet.
2. From something small
It can not be denied, the cost of living is now expensive. However, you still have the ability to save money (financial management). Imagine now you must save Rp200.000. Perhaps you would be justified because there was no funds to pay this and that. However, when an old friend called fixation and invite you to meet in a restaurant, all of a sudden you have the money to go Rp200.000.
3. Avoid Credit Card Use
Paying the bill more than the minimum payment should be the first step to leave your dependence on credit cards. You must know the minimum payments on the debt will not erase your credit card continues to bloom on the flower. Well, here you’ll realize you need to make a budget. You can see the huge funds remaining and could probably use it to pay debts. This could accelerate the repayment of the debt. suggestion: it’s good you ask for help from the public accountant / financial accountant to manage your personal finances.
