The mentality problem in Family Financial Planning

The financial issues of family planning has become a hot topic, because asking people increasingly start is what the family's financial planning. Then, as financial planning, be true?

Apparently, the problem is in us. Different kinds of people in this world, because apparently all live the dreams and desires for a comfortable and pleasant's Got, and a variety of ideas and ideals, but how many of those who really want to realize their ideas and ideals, was his dream to live or bad? Remember, everything is a price to pay, let us not because it wants faster you need to realize the dream of high seriousness and commitment. Apparently the hardest part is not exactly different plans, but how do I run a plan itself, so our goal is reached.

According to me, as you answer the financial question, you can learn, or even if you learn to not have the time and create your own, you can ask financial planners to help set one up for you. But on what? This is a guide or a guide or an integrated set of planning your family's financial planning, and nothing means more than just a book report. The question then, what?

For the success of your financial planning, to the mentality of self-administered, no phone, you can NAPO aka No action .... It .. it .... Therefore we need three main attitudes are: discipline) - 2) Discipline - 3) discipline. It appears that the evolution of a discipline which is not easy to discipline by his lifestyle should be a long time and it is not often easy. Discipline is the realization of a clear obligation. examples of people want to lower blood cholesterol, should modify their behavior and unhealthy lifestyle, it can reduce fatty foods such as discipline seafood, dagingan consumption of meat and more vegetables and fibers. If disciplined, and I certainly have never run this scheme, if my high cholesterol. Just click on "Discipline". A bodybuilder who has always been with rigorous training schedule and eating habits. Very often we can hear the saying that "You are what you eat" or something similar to what the law of sowing and harvesting clearly the law of nature, which can be used. Lo, it is not different in many ways ... You owe your success to accumulate from time to time, so you can make the next jump in success. It is not possible if the people whose lives richly, not want to live not on the priority scale, no savings and investment, and not have a clear financial plan before not even for financial planning at all, more comfortable and convenient in the future. Therefore, we draw a simple lifestyle so that you stand the hard life in future.

Remember that God Mmberkati people who really want to be truly blessed, not people who do not like how it is possible to produce rice fields was, Farmer was not working, if the care membajaknya hoe him occasionally, until the harvest time has arrived. Similarly, life must be treated, we introduce the roles and responsibilities, and God the Creator we see how serious we are and the blessing will certainly be upon us. I hope so.

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Financial Statements Analysis of Financial Planning For Your Family

As I said in previous articles of financial planning, we are a family no different than a society where money is the fuel to run the wheel of life in this world. Sorry, I did not teach secular lifestyle that often seem materialistic. We can not deny that we actually need money to live comfortably in this world. It is true that there are people who say always, money is not everything, because life is the true life in the hereafter later. Do I deny it, this statement because it is the highest aim of our life together, with God, our Creator. For, in my opinion, should not blind the eyes of our heart treasures, so we become cruel and cunning. It is therefore fortunate for the good so far used not only a pleasure. Therefore, no way we try and go break a reason, not out of fear, a wrong move, because your life is not merely about the time, but used the time to make the best life and note the time will never wait for you. Every minute that just missed entry into the past. When you really love your family and accept the responsibility that was entrusted to you, then you are forced to draw attention to the family whose name is to pay cash.

Well, what the way is able to be seen, or do you think about your financial situation of the family, then you have begun the consolidated balance sheet and income families and begin to analyze the accounts of the family you.before, I would ask "Do you know how much your spending per month, as much as the spending by type of transaction on your fixed costs, including fees, depending not specify what the consumption is the is an investment." If you can answer my question then you can create reports or calculate net cash flow of your household budget. Try to summarize all your expenses, here your surplus or deficit on the income your family. Most of us whose names do not control spending or withdraw this, especially when our credit cards more and more .... What might be thc slid aja .... .. I had to sing slogans ... Shop Till You Drop .... ... we are invited to even go bankrupt. Finally, what has happened and we dig only pay with credit card ... ... dig a hole to open the cover of this month and created so ... cool ... save it as it is called a hamster on wheels. What we do not recognize the models and ways of life like this?

Learning to think critically in terms of money, considering the following questions:

1. What are my purchases are elements that I really need?
2. Is the need or desire?
3. Is there another alternative for the goods that we need those who have a lower price with good quality
4. As such purchases could be delayed for a few minutes?

Short words can not buy, do not buy if yah ... it .. he ... lo so clever, not so greedy and smart, but if necessary, and are not necessary. Try this simple life, so you can easily manage your finances in the family.

Make an analysis of your spending and develop a financial strategy continues through the test:

1. Highest Priority Scale => Where and what is not output, then this is not the priority it has begun to be analyzed immediately eliminates unnecessary indiscriminate.
2. Percentage of expenditure => how much of each type of expenditure to total expenditure of your transactions, somehow the largest to the smallest. Learn how to the large expenditure which naturenya a great need, and whether the amount reduced, particularly in connection with consumption.
3. Create an analysis of how much you spend on consumption, how much money will be used for investment, how to use a lot of money to pay off your loan?
4. Business models of your knowledge, what you buy with a credit card or by cash, what do you with a shopping list or not where you shop, what attracted the discounts that are not necessarily the level of competence in these positions you need.

The goal is to ensure that the expenditure expenses that you are smart and wise to be removed only for purchases really, really, and be sure to set up the first cut of at least 10% of your income aside for the future of your family. Do not let your big pin of the mast, the deficit, and may have their own headaches. Save and invest your money wisely for the future needs to meet not miss today's lifestyles are komsuntif. Strategies to a large net cash flow is form, to increase revenues and reduce costs as much as possible as quickly as possible and then use the surplus or net cash flow for further investment and or long term needs and financial protection of the family and increase your cash reserves of emergency when you are not satisfied. If necessary, if you make a radical change in consumption habits, or go shopping, so you healthier and produce instant profits need for your family.

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Financial Planning for Productive Period

I will start the financial planning articles in this productive years with a story where I met people who said that his brother there who was not working anymore though clearly still in the range of productive years. Lo I asked why? what your brother is really financial freedom or simply not able to work because of intense competition, the current job. The next story is too long to be discussed here but in short I want to tell you that many people who do not work anymore even though they are still in productive years. This is clearly a very influential time for financial planning.

-period income-earning Why productive years is very valuable, because time is productive time where we can still work and collect the assets of investment through the sweat of our work. Generally in Indonesia using a minimum benchmark until the age of 55 years even though we know there are still many people who work until very advanced age until age 70 even though the basic annual diverse motivations. Granted we consider productive years from the age of 23 years which means we've got 32 years to fight for our retirement. Do not waste this wasted time because if we did not design it with the best, then certainly we will regret it on our own retirement. Financial planning will help you get through this period with a glorious and ultimately achieve a happy retirement.

Remember the age we never know, if we retire the same assumption with our productive years then we'll live to 80 years. Enough pension funds and investment assets we finance our lives until that age. Financial planning will ensure thorough that you will not suffer economically in the future, especially in your retirement years.

Behold the diligent work and investment in your youth, Stay spirit!

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Families Managing Financial Tips: Shop Wisely

Shopping is fun. Moreover, if go to the new mall by any of the goods plus attractive displays arranged a friendly greeting from the salesman who tried to offer the latest products or even products that anymore ngetrend today. Then came the remarks ... my friends have already nih .... I do not have. Moreover, if the goods are associated with lifestyle, especially technologies like mobile phones complete with new features. Berjejeran I have seen people waiting to buy a specific phone and it was not at all but I saw him many times and they are willing to queue for hours. Wow was phenomenal!. But now the question is whether we have been wise to shop or just part of it and forget about financial management. By Karen financial tips that you need to shop wisely.

Here we are reminded again that all our expenditure is to meet the needs or simply satisfy a desire or passion alone. Often that does not make sense is to meet the wishes or desires, since it is related to the emotions which we often forget and without consideration for buying goods just realizing this. Exercise caution before buying an item, ask first if I really need this stuff? I believe if you always ask first, then you can hold your shopping.

Pintarlah smart shopping, please do not hesitate to innovate in the shop are starting from finding a large discount stores that give up looking for substitutes that deliver the same efficiency. Let me give an extreme example, if you want to provide benefits for your child's salmon, but limited to the issue of funds then you can just buy the remaining pieces of salmon that are usually sold cheaply and not have to buy salmon fillets are more expensive. Is not if disup provide benefits that are not much different even exactly the same. Another example of buying goods that have the same value of the benefits of its use by comparing the prices reasonable so you do not really pegged at minded brand problem. Well if the money had been allowed to aja's excessive at all times have a branded bag, but if every time you want to buy continuously mengkoleksinya even then beware. Look for items that deserve a fair price according to your budget. Is not to be beautiful or handsome is not always have to be expensive?

But after all is not just smart in finding items sungguhs really needed with the best price that can be obtained, the most important thing is whether the buying is already planned and budgeted. Do not let you shop without a plan and menganggarkannya first because it is definitely you will get out of your financial corridor. Never rely on your credit card to help you if indeed you are not able and not yet budgeted the purchase of the goods. If so you must have difficulties to pay it off later. Finally, you pay the minimum with a maximum interest rate he he .... I am not anti-credit card, but please use credit cards because credit cards wisely is to help you in the payment means instead of your actual cash.

Try to learn what expenses you and often burden clearly is clearly the consumptive expenditure. Careful spending precisely bahkanseringkali unwitting little consumptive nature that did not feel this is namum clearly have a major impact because there are large when aggregated value.

Shopping Wisely is not difficult, the difficult is to change our mindset to be able to control our desires, and to prioritize our needs not only the current needs but also future needs. If the mindset is completely coupled with sufficient knowledge so Hopefully the family financial management easier.

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