What do you feel when entering the end of the month or the old date?
It seems many of you are still difficult to manage their own finances, from start to like snacks, shopping, and so ... Have you ever wondered, because you do not feel money payday increasingly thinning even exhausted, and finally you can only regret it when you sweat the money being spent on things that are less important. Some may wonder to themselves like this:
-How the new date by now I already live this much money instead???
-New feeling yesterday received a salary, but now already almost gone money??
-Kemarin2 I buy any kind of taste tiba2 money stay last breath???
and many are frustrated and ultimately chose another path like a hole dig a hole CLOSE.
I also like the first, but after a dizzy 7keliling I finally found my own way
to manage my personal finances and eventually I developed this way continues, this time for that I want to share with you how I organize my personal finances.
Are you ready???
okay my way note below:
1. Understand the Needs and Desire
You should be able to distinguish which one is your life needs and desires you, you should also focus Needs rather than desire.
Example Requirement: Eat, Drink, Transport, and other obligations.
Examples of Desire: Want to Have HP, Laptop, etc. that concerned with your pleasure.
2. 2 Create a Bank Account
You are required to have 2 different accounts and banks, bank A for transactions / receive salary, bank B to save, select a bank to bank B is rare and its ATM machines do not charge a monthly administration fee or better yet the B-type investment banks like Mutual Funds . banks ATM Card B should be stored in a hidden place that is not easily visible to our eyes, or just break all not let the hand rub .. later discharged every month you are required to set aside some payday for B banked.
3. Create a Monthly Budget
Once a month after each received a salary you should be able to take a little time to prepare your monthly budget. FIRST record budget for the most important or basic needs you for the next month.
example:
Salary = Rp.1.700.000, -
Gasoline / Transport = Rp.6000, - X 26 working days = Rp. 156.000, -
Eat 2x daily x 30 days = 15rb = 450rb
(eat in wrote, inexpensive and healthy)
Pay rent boarding: 400rb
Total basic needs you = Rp. 1.006 million, -
Rp.1.006.000, - as soon as you pull it out of the ATM, the money will I discussed in # 4.
Furthermore, it is still residual 694rb!! Now on for two 50:50 694rb 347rb result.
Then 347rb first reply should be transferred / deposited to bank B to save.
Now your money in a bank ATM remaining money 347rb lg and let the last one is settled in bank A, consider reserve fund for unexpected needs, remember ye should be wise in using it.
4. Strategy Of Envelopes
You have to prepare 32 pieces of small envelope, it will amplop2 you write the numbers 1-31 as the date and 1 envelope again you wrote "ENVELOPE THE REST" (or free names) that clearly point in this envelope to accommodate the rest of the remaining money every day and money collected in the remainder of this envelope you should use whenever you want, for example, for entertainment, snacks, buy pulse, cigarettes etc..
Now that Rp.1.006.000 principal, - did you break into coins 2RB's up to 10rb can exchange with parking attendants / exchange coins in the bank and it will occupy all of the envelopes.
Calculations like this:
Transport = 6.000
Consumption = 15,000
Total cost per day = 21,000
5. Increase Income
However you can not suppress spending you, without you knowing it and you must know the dong that needs more and more increasing, all the price of basic commodities continue creeping up, if you keep busy with pressing spending while still earning that much-that much useless, definitely going to burst as well believe me. So you also have to think about and look for ways to earn extra income from a side job that does not take a lot of time, while the main work you continue to run normally, you can work with his wife, parents, or friends who can be trusted, for example modalin your wife to help sum up additional income such as selling fried foods, uduk rice, pulses, and many more, please find a way and develop ..
Pray
Well the latter is also not less important ya, ye fortune with charity door will always be open .. for this is of course you already know, right? if you do not know how to reply to this 6th searching on google wrote it, because I dare to talk much about religion, tar cleric suspected
Well to run this financial arrangement method, only one key so that you can be successful, the key is "DISCIPLINE" continue trying, keep trying, and develop ...
Okay, enough of my first yes graffiti, graffiti hopefully this is useful to the readers of this blog, oh yes do not
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