Priority IV: Consumption

Once these three things more priority so now we have a surplus of funds for consumption today (last priority). In this case, the key to success is spending the balance between the need and pleasure. To achieve this goal is considered how much the budget should be adjusted to the use of charitable income after consumption, savings and debts, in addition to the first set of expenditure and budget, and note should not be greater than the rod hanging. If this happens, press office, so that consumption, not savings first. If it had a budget deficit and implementing the budget savings, if you still do not include debt, if still poor, saving the new cover. What is important in practice, as long as done once, and must be flexible, to make a monthly assessment of the financial situation better. In addition, the consumption budget in order to enhance the books we buy, such as capacity, or for more competitive combination of training, so that our revenue continues to increase. The latter with our project is consistent.

Obviously, this concept is easy, simple to achieve success in financial management is not only the life of this world, but also the future lives. If you do not believe, please take a look. Hopefully useful

Third priority: Pays Debt

Priority must be to take over consumer debt because the debt has passed. The management of the past must be wisely and avoid damage to present and future. Payment of the debt liabilities. People who can manage debt wisely, then it would be beneficial to financial success.
Road, including:

A: By limiting the total amount of debt and total debt service, little income, the more stringent restrictions, and vice versa.

B : Bay through the use of more debt, for the enterprise, the requirements of this type of financial acumen and business skills. If the money lending business is limited to less than 50% of the equity interests in the whole business.

C :Angle consumption control, planning and control telilti loans only for emergency needs such as home, car, or a computer.

D : try to get a good debt, not flowering, while the funds may be paid as debt installments close friends or family. In this case, the key is trust.

E : coli in the discipline to repay the loan in principle is a strong willingness to pay and management, good impression, it owes

Second priority: Save

Water, we in this world of the future, it should also be a charity’s primary task, because the future is more important than the present and the past. Yi Xie reasons behind people, partly because the habit of saving all the time, have the desire (buy HP, auto, home, etc.), forecasts of the need for an emergency or accident, the last part of the financial management to reduce the chance of the problem falls In the future, in other words, prepare for our future and your family the best. Save yourself the many benefits that can improve the planning of our skills to provide in identifying financial goals, the additional income to help others (Islamic banking, business and investment, such as savings), exercise discipline, particularly if the savings using the services of financial institutions. How much how much savings can be determined on the basis of the amount of income is about 30% of the revenue. It seems our lives are so simple yes or really ugly, but not better a little difficult, but to get a more secure future.

Many types of business, whether traditional or online. For example, if you know the business world, not to mention the virtual world of business is very interesting, challenging and exciting, but also, for example, if you try and lessons learned. Until you know the skills to a business. So why is the business afraid?

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How, you still could not do business?

Just think, and believe that you have worked who earn less than 2 million, which is you live in a big city, may only be able to survive, such as daily meals and transport. If the expenditure on all diketatkan not because it is mediocre. To work not to please your boss, but to satisfy myself. For those of you who are students or parents to send much money, but if your parents such as illness or accident, you can not or your parents, what happens? Maybe you should be fasting for the sake of reducing costs. This fact, I think this dairy. Therefore, the correct way to overcome by increasing the amount of income.

How to do?

How much really? You try to use your hobby or through your talent, for those who love to write, for example, you try to take advantage of business talent in writing. If you can cool blog why do not you try to offer to your friends. I have done, even to this day the example above. Services provided to those in need.
Read the rest of this entry »

It spent too much money, usually by: Consumer (first priority mode), to pay the debt (second priority), preservation, rose if the remaining (third preferred) and bederma or charitable organizations, rose minimally invasive (fourth priority) . Most people use the brain’s subconscious financial management and income, so it is natural, if the financial model to make only for consumption and debt. While saving money is not getting the budget allocation, because there is no money to leave have been exhausted. In addition, charity / alms, if there are funds and the minimum, if they have any request, because this is the last priority.

No planning or financial priority scale is good, then, anyone with income of registration, will not be left behind, because once the revenue growth, eager to enjoy the increased (consumption) increased. Especially if consumption continues to expand, while the income is relatively fixed, or a large wedge of stroke, which of course will be very troublesome. If’m so berhutangpun be the fastest solution.

Financial structure to do so to bring joy, but only short-lived. What is the future, many people do not consider and plan for it, this is very important. In view of age and a greater financial burden, and in pasaranpun commodity prices, a lot of people trapped in the result of financial difficulties. Expect such a thing, we have to change the financial structure, so that we can for future opportunities, individuals and families plan and prepare their old age is no longer produced, so as not to burden the children of the elderly.

If you want to succeed, we must be able to change priorities or, as in the above to become a successful financial pattern most people bederma financial patterns scale / handouts (first priority), save (key 2), debt (third priority) and consumption (fourth priority). In other words, a successful financial model, the priority scale is contrary to most people’s financial model. We see a an explanation.

First priority: charity or charities
Charity should be our top priority financial model, as in the financial sector, which basically represents the future of our eternal (afterlife of interest). Especially for a Muslim charity Islamic highly recommended. Many charitable organizations, it will not reduce our property, but actually spent twice. It also brings blessings, gifts, because the real treasure has been issued this is our true wealth, although not visible in normal view. Therefore, not only benefit the recipients, but also the giver. Charity must be a genuine intention to achieve the pleasure of Allah SWT, which is the best of intentions. However, if in accordance with the specific intent of these provisions charity added that from a different problem, or want something, it can also allow only the hopes and demands only God. Charities must be adequate income so it should have a greater income, greater percentage of charity. Therefore, if you want to get rich, so charitable, it is a question of faith, but many people who do, prove it

Everyone always wants to have the perfect life where the requirement can be achieved. If you have a lot of money, you need the bail bonds. Bonds are the letters of credit of a company that will be paid at maturity at nominal value. Income derived from bonds in the form of an interest rate that will be paid by the company issuing the bonds at maturity. While, the securities or certificates of recognition that contains a contract debt on loans obtained by issuing bonds from lenders. Have the bail bonds are important as the security and guarantee for bail bonds.

While the bail bonds security is in the form of cash or a bond given to a criminal court in exchange for the temporary release of an arrested individual. While all you need is accurate bail bones security from the right place that gives you the best security for the bonds. Bill bonds usually used as the guarantee the business and more.

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Never stop learning

Learning is a major key to success. Bekermbang changing the world better, because it does not stop, continue to learn, because with the updated knowledge and expertise, you will have a chance, they are sure to provide a career to make good contributions.

Questions, listening and learning

To be a good listener, learn from the experience of others, who do you think success. You can learn from superiors, colleagues or from these experiences can provide you with a lot of career lessons. You do not know, listen and learn what you want to know. Sometimes the experience of others is a good input, you can apply a good example, and aware of your occupational hazards.

Of liver

Your job, start your career? Must answer the question in your mind, if you have your job stability, you should now start the repair. However, if jobs still have to complete the task, it never hurts to try to make your wishes, the most important tekunilah and have mercy on your work.

Expand Network

Your next step may be melelui business colleagues and networks. Expand your network, darisitulah you start your career. Find a wealth of information. You know, over 50% of all contacts received from the network. If you have a good network of contacts, but also a great place to find the cause in the future and learn about new employment opportunities, there is no harm in expanding the network. Many advantages in expanding the network, but you know new people, of course, you get a new experience. The best way to get information about your network is one of the serious requirements of their contacts on a regular basis so that you can establish a good relationship, and occasionally ask informarsi you want to know and the latest employment opportunities. Read the rest of this entry »