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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3 Ways Your Health Insurance Company is Cheating You

Wearing a growing number of consumers, health insurance has led to a growing provider of medical insurance fraud. These providers can often target new retirees and seniors, and small businesses, not negotiate better rates with legitimate insurers.

Wearing a growing number of consumers, sickness funds has led to a growing provider of medical insurance fraud. These providers often target new retirees and seniors are legal for individuals and small businesses that do not negotiate better insurance rates. Be very careful before investing in health policy. For more information on how an idea can win one of three health insurance fraud.

Non-payment of debts
In general, the official fraud in the health sector, a large number of people quickly, offering them lucrative contracts. These vendors continue to pay medical insurance premiums and small claims, but if there is a considerable amount of demand or regulators catch these illegal transactions disappear as if they never existed.

So be careful when you offer a delayed payment or service of excuses for not receiving payments. If you are registered with the plans illegal, may be responsible for medical bills of its employees.

Unauthorized Health Plans
If the company where you bought the health policy will not be granted to the Commissioner of Insurance of the State, may be blocked. If all is not apply the rules of the basic insurance to your service provider, the company can be established. Then, you're cheating the service provider is not authorized to commercialize health plans.

Insurance agents can not sell all legitimate ERISA or the plan of the Union, the federal law governing it. So if the insurance agent who is trying to send you in the sale of ERISA plan or trick the Union and the Report on the insurance department of the State.

Outstanding coverage at lower prices
If you are offered an unusually, despite their health and even at reduced prices and more profits that other insurers, it is time to press the panic button. Let us not be fooled by the lucrative offer, or it may be confused with a twist. The purpose of thieves collect "large quantities quickly as possible try to sell the maximum number of measures at attractive prices.

Tag : online health insurance quote, health insurance

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Your Family Financial Statement Analysis

As we have seen that in assessing the health of a company is not independent of its financial reports and analyzes the existing ratio in such financial statements, as well as the financial health of the family also require analysis of the financial statements of the respective families.
Financial Statements Analysis

Financial Statements Analysis

Previously we have spoken about the financial statements of income and cash flows of the family finances, now we'll talk specifically about the family's finances. Actually, what tuh Financial balance family and what information can you conclude through the analysis of this report.

Just as the balance sheets of financial firms, we also divide it into Assets on the left side, and side Liabilty, and Net Worth on the right. You can divide the assets into three parts, namely Liquid assets (ie funds that you can use at any time as there is in cash, demand deposits and savings), Personal Assets (ie assets that generally are not productive and only used for private purposes such as private cars, home furnishings, jewelry for personal, Electronics, etc.) and the last Asset Investments (ie assets that generate returns, or its value tends to increase from time to time, so its not productive and consumptive purposes such as deposits, mutual funds, bonds, stocks) . While the Liability side can be divided into two ie Short-Term Debt (which will fall due within one year) and Long-Term Debt (remaining debt will mature in the first year). While the Net Worth or net worth staying between total assets by subtracting the total such liability. Well just like the analysis of financial statements in general, that the Net Worth, this must always be maintained because it shows the net wealth of a family, you are rich or not visible from the value of this net worth. The ability to manage finances by always doing the family finances traffic analysis to study spending patterns can result in the ability to control family finances that can result in a net cash flow each month from time to time. Net Cash flow is what will add the Net Worth or your net worth. So do not be extravagant, man and Non ... so that your wealth continues to grow. Try to imagine if every month the value of your deposits and mutual fund increases, a relatively small big yah yah, but it's important that you are committed to your family until the goal is reached. While for a detailed analysis of family financial health position required ratio-ratio analysis such as analysis of the liquidity ratio, debt ratio, debt service ratio, saving to income ratio, solvency ratio. Through this analysis, ratio-ratio we can determine the position of financial health so we know what the strategy should be improved and what should be done. This analysis will help us in setting family financial goals.

The strategy is directed to you as much as possible to have a productive asset, or some people call it an investment asset, there is an asset called good, others call it a positive asset that is an asset that can give you extra cash flow, and completing the additional investment (reinvestment) with fixed maintain your liquidity position and keep your debt position, so you still get additional net cash flow or economic value added to the management of your debt. Well may-be owes no debt to the origin aja consumptive purposes, such as credit card debt to buy electronics or a longer ngetrend hp. Berhutanglah with rational economic benefits created by looking at you, well if owed to a business or to buy the leased property-rentals okay okay well just have to count aja, you make money or loose money. If there was additional value or benefit in the long term to produce a return that provides economic value added (net additional cash flow) seteleh offset the debt costs, then you have been indebted to the rational. Do not let what happens is you owe it to the opposite ie consumptive purposes to the extent your net worth is less than your debt, I'm sure your net worth will soon be eroded over time that eventually you can go bankrupt. Now it needs a rational way of thinking, well do not need is a luxury European car if it had not in his capacity, is not more rational if we choose a Japanese car was a smaller CC. Well, aspires to have a luxury car should be aja-mate, but think about what all needs and financial planning priorities for your family has been fulfilled or not. Only by acting wisely, can help you help yourself reach your final destination the family finances.

Remember Mensana Incorporisano sentence that is within the Healthy Body Healthy Soul there is also, well in that regard until we do not maintain the financial health of our families, if not keep in good health until this one, be careful lo any one day her soul was also disrupted, try aja you see husband and wife who are fighting just because of financial problems that are not healthy. Hmm but she said Love is everything Love ... Can you beat this one issue. Well it back to your own.

Tags: family financial statement analysis, financial ratio analysis, investment assets, liquid assets, personal assets, economic value added, managing family finances, family financial balance sheet, net cash flow, net worth of families

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Do Financial Planning Your Retirement Funds Early

Retirement planning. Often we do not realize that the time passed so quickly and without the starting age was changed from the head first and then became the head two to three heads and suddenly we were in the head four or five. Our hair was jet black and started to slowly fade to white in line with the increase of our age. Many people say well it adds additional age wise .... Hhmm's right nor wrong, well if yah plated on white hair aja kan look so young anymore. But apparently things about the pension fund problem is not as easy as dyeing white to black again when you are entering old age. You have to do financial planning since the early to prepare for your pension fund. Do not be late for this one time can not be replaced with others such as the story had white hair.

Now do not linger longer immediately take your financial calculator and start calculating how much it actually needs your retirement future. There are two methods that can be used for retirement planning is the first and second method is the Income Approach Expense Method Approach, but the two both have the same purpose which is to determine how much money you should invest every month from now so you can have this level of economic life good when you retire. In the event you lack the ability to be able to make an investment to meet retirement goals you should take a more aggressive strategy such as by seeking additional income by finding a more promising job or take other additional part-time jobs in order to achieve the above or otherwise be satisfied with a lower lifestyle someday when you are entering old age.

Illustration of how to count more or less like this is suppose to satisfy your lifestyle now needed funds amounting to Rp. 120 million per year, when to arrive to the time of retirement is still 20 years away (to arrive at the age of 55 years), assuming inflation of 8% per annum, then the time will come you need a fund of Rp. 559 314 857, - per year in order to have the same standard of life with the present. Well from there on the countdown again for example the target is a 20-year retirement until age 75 years, then how many total accumulation of funds needed at the beginning of early retirement for example assuming that the net return for the period amounted to 2% and didapatlah that accumulated the necessary funds on early retirement is the beginning of Rp. 9145599603, - If the assumption you do not have any investments at this time, to meet the goal of living to maintain the same lifestyle that starts from 20 years from now when you are starting to retire, then you should make an investment of Rp. 9,244,933, - per month, assuming an investment return of 12% per year. If your current income is Rp. 20 million per month or Rp. 240 million per year, it does not matter much because there is still money left over Rp. 10 million per month to prepare for such pensions, but if not, then you should be extra cautious and do the hard work to cover the shortage from now.

It's just one extreme example to illustrate the needs of your retirement fund, I hope things were not like that where possible you already have an investment property or other financial investments and other additional retirement funds are good investment returns that have been able to meet most needs of the accumulated funds such pension at a later date, so you simply count the lack of investment that must be done per month now during your productive life. However we must try to prepare ideally supposed to do, well turned out at a later date if your son be a successful person and willing to maintain and manage all your needs well be grateful for it, and about the money that you already prepared can be used for other useful things. Whatever the reason you are preparing for retirement early on, the faster it gets easier to go after him.

Be careful if you live on now, so you are happy and complacent with it, because at that time usually we forget to think about the old days these funds. Many other examples in his youth and the affluent life sparkling, but in his old age of scarcity. Beware!

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How to Prepare Children Education Fund

Fund-education Many people ask me how does prepare the children's education fund. Are sufficient funds that now I am preparing for future education? Now it is a very good question because it is important we should know whether we are preparing for the education fund is sufficient to meet all the needs of these pieces of our hearts.

Now that's a lot of bank or an insurance company that offers preparation for children's education fund and I think there's nothing wrong with the product, but the problem we are often less sharp and home buying education products without us really understand whether the funds will be collected this adequate or not later. So when you buy any product name of education funds, insurance funds for education or education savings accounts, try to be more observant analyze it and make sure the seller knows exactly to your needs, so that it can provide guidance or proposal as appropriate.

However be careful because inflation will eat what you prepare for education funding. Therefore, always make sure enter the inflation rate assumptions in calculating your child's educational needs clearly. For instance, now high school entrance fee of Rp. 5 million, assuming 10% inflation rate, then three more years of high school is the base currency into USD. 6.655 million, - and onwards to the money also went to college at USD. 20 million, then six more years, assuming inflation levels of 10% to Rp. 35.43122 million, - and do not forget yet semesterannya SKS money. Once you know all education funding needs in the future, you will know how much you should set aside each month from now so that funding needs are met on time in future. So make sure the money that you can prepare to prevent the increase of tuition fees in the future as the effects of inflation. You should be critical in the education fund to buy these products so that education funding goal is reached in accordance with their needs in the future.

I believe Mr. and Mrs. ideally would have been concerned with issues of this child's education fund, so I could not agree more, because education can help our children to obtain better insight, better jobs and hope ideals better. At least you've given your child kailnya and fish fishing has been able to fend for themselves later in life. That has become our responsibility as parents all over this GOD Baby advances. Well of course while nurturing a spirit of leadership, who knows your child will become a successful entrepreneur and create more jobs again in Indonesia.

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When Mr. Mom is still confused, try Mr. Mom remember remember once again how much money Mr. Mom when elementary schools and elementary schools compared with the same money now. Well that's what I meant above. Please count how many times fold increase within a few years. Should we anticipate this together so that all runs smoothly.

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Do I Need Life Insurance Planning?

Before discussing more about life insurance needs, I will discuss first on the definition of Life Insurance are as follows:

Definition of Life Insurance in accordance with Act No. 2 Year in 1992 reads like this:

"Life insurance is an agreement between two (two) or more parties with which the Insurer is bound by accepting premiums from insureds to provide a payment based on a person who dies or lives insured"

While the definition of Insurance pursuant to Article 246 of the Criminal Code of the Republic of Indonesia goes like this:
"Insurance or coverage is an agreement by which an insurer committed themselves to the insured by receiving a premium, to provide reimbursement to him for any losses, damages or loss of expected profit, which may be suffered because of a particular event that did not."

So in this definition is clear there are four elements involved which the Insured Party (insured), Party Insurers (insurer), One Events (Accidental / uncertainty), Interest (Interest).

planning-insurance-insurance jiwaJelas there a role for the interests of maintaining the economic value of one unfortunate event of death, so that those who abandoned or heirs can continue to receive a decent life with a certain amount of money available in the insurance policy agreement. So according to core functions that life insurance is used to transfer the risk of these deaths to the insurer (insurance company) so that the economic value of the insured (the insured) can be sustained.

Now you already can understand the intent and purpose of the protection of life on this one, so I do not need to linger and direct my insurance said it was necessary for people who are still in the productive years that have economic value or income is used for sustaining family life. Especially if your child is still a small child, how their future if the "pickup from the Top" came suddenly. Because we never know about the life of our lives, and this is referred to as an uncertain time of death even though we own all know that in fact it is the certainty of death for all people without exception.

However I see a phenomenon that was funny because sometimes some of those who already have excessive investment even has a passive income of life insurance aja still view this as a necessity, but ironically most people who do not have a lot of existing investments or passive income that the insurance rate is not too need because they think their money is limited. Precisely because of all limited, we increasingly need protection on this one to maintain the economic value so that only our family maintained its economic life, if an event of uncertain time for that to happen. However umunnya someone more established it will be increasingly aware of the importance of this issue. Believe it or not, the judge of your own!

How much life insurance coverage you need? Wait for next article.

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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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Does Strange Inheritance Planning Talking About?

Planning-heir Often we feel taboo to talk about inheritance or legacy planning, especially if the heir was still alive and looks in good shape. Well look is a little unusual things about inheritance is discussed in families, especially the east Asian nation, where a child's future as the beneficiary is not appropriate and feasible to ask for its share at the time his father was still alive but his father who gave it, which in turn many heads of households that lull inheritance planning issues. Thank God this family's gratitude kids all get along and understand each other, but if not .... Well you read only in newspapers is not unusual for newspapers that eventually kill each other brothers and sisters fighting for murder because of this inheritance. Pardon deh god forbid .... Is not it very embarrassing.

Therefore, if you are a householder, think wisely the problems mentioned above. Hopefully you are one of the head of household with a dependent wife and biological children are legitimate and that too remains a problem that must be considered early on so that does not happen in the future quarrels between biological children are. Of course, the problem will become complex if many parties you want to inherit.

Many families in Indonesia to enter the family category "YES PAP" yes aka papi, papi yes, what what what what department papi papi, so the wife and children all rely heavily on the father. Obviously if something happens to the father, would not be the same condition with the landlord chicks look ... .. the fact that the landlord was the father himself was not her mother because Ibupun follow and depend 100% what the father and all kind of father who should be thinking about and decided. Well this is why my father rightfully referred to as Head of Household. Well who should not have been more powerful, but we need to realize that they have become one in a legitimate marriage and shared sense of responsibility to understand each deserves to think about succession issues forward so that the final destination of the family is reached. Do not let the husband's death, because wife housewife who rely heavily on the husband, then eventually even istrinyapun not know where the money saved and invested in a property or if there is where and on whose behalf .... And so on. Wong ... usually just stay way .... All right now ... nah who had been invited to talk ....'ve Not exist anymore .... Binguuuunng ....! Hopefully it does not state gini seironis.

In conclusion do not let you add to the confusion and problems of other problems for those you leave behind when you are facing the Creator. Never had principles that were left by people's business .... Well okay, but try really wise to reduce the conflict-a conflict that may occur. If you had not noticed this same thing you just let the time bomb that could explode at any moment and hurt the people there loved ones. With the preparation or beneficiary of good planning and that does not violate the rules will help a more efficient arrangement of the costs that will arise at a later date due to the transfer of property inheritance, among others, are also well on inheritance tax.

If you do not have a will, you can think of to make it, do not hesitate to discuss and get advise from professionals associated with problems such as financial planners and family parties are very highly related, such as lawyers, notaries, accountants, and tax consultant. What is clear ultimate goal is to maximize the legacy you can give to the right people, with the correct ways and easier compliance with prevailing regulations and minimize the leaks that can occur.

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Invest Your Money In Routine

Successful-financial-planning today's fast-paced, modern and comfortable-paced lifestyles can sometimes make you fall asleep and forget your financial objectives. Do not let your lifestyle brought disorder to the future of your own dreams. All should start from the discipline and perseverance, among others, by making regular financial investment. Be careful with your money because the era of easy money evaporate gini because your eyes desire to defeat the priority needs of your financial future. Live with a low profile and control over lust of the eyes with a unanimous determination for a better future.

One of the instruments are good investment at present is a mutual fund. Of course should choose mutual funds that match your risk profile and target the investment. Invest regularly every month and do not panic that the market will cycle up and down because when the market falls, you also participate to enjoy cheaper prices where the placement of the same investment value each month, you can get more units when the market experienced decline. This is often referred to as the effect of the amount Cost Averaging. This investment strategy is very effective especially if for such a long period of time for old-age pension savings or cost required to prepare early for your child's college education.

According to diversify investment risk profile and objectives investasi period. This means that the choice of investment between a 30-year-old father would certainly be different from the 50-year-old father because of the circumstances and conditions as well as goals to dicapaipun been different. However alertness, perseverance and ingenuity in managing your financial will help you control your lust of the eyes which often beat your financial priorities. Want to dream of rich and a lot of money ... ... Soon Get hold of your determination!

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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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