Earning himself or not, the amount of money you receive each month must be managed wisely. Attitude wise as to what exactly? The following five tips to help you manage the family finances more carefully.
1. Active in every family's financial decisions.Most women are responsible for household finances. Unfortunately, most of them it is not the decision maker in choosing the type of investment, retirement, and choose insurance. Mothers can actually play an active role in any decisions relating to family finances. Even if the mother still is not the decision maker, they can communicate the way out to any financial problems with a partner. Mother may submit suggestions or ideas about the future financial plans related to children's education, insurance, retirement, or a new policy on saving for a vacation. Importantly, the mother is not passive.
2. Find out about the investment.
Fear of women investing, two times greater than men. Thus the results of the survey Charles Schwab Corporation Foundation in San Francisco, United States. Women are generally less confident choosing how profitable investment. Studying various ways of investment is easier than imagining. Right now there are a variety of workshops, seminars and literature on how to invest that is easy and profitable. There is also a question and answer column about investing in mass media that can be utilized mother. Learn the ways of investment is not time consuming. Provided you are seriously listening, knowledge about the investment you will get.3. Save for save.
To start saving, do an inventory of the goods need to facilitate the work. For example, washing machines and cars already have, then start watching another smaller needs. For example, tape recorder, television or microwave. When all the essential equipment needs are met, you can start saving. Saving can be started by making savings in some expenditure items. Redecorate the house, for example, do not need to be done every year. With a budget so that you can tube. Save the use of electricity, water, telephone and internet can do. If you can save Rp. 50.000, - per month and saved, in one year you earn Rp. 600.000, - Twenty years later, the number is not small. Try to start saving now!4. Think of the old days of living expenses.
Now the high life expectancy allows humans to live to old age. If you are currently 25 years old, you have a productive age income for 25 years. After retirement, where the cost of living you earn? Of course you do not want to run into financial difficulties in the elderly. It is not recommended to use the funds allocated for the education of your child into your living expenses in the old days. If you have a regular job that gave pension funds, pension funds begin to calculate the amount you will earn in the future. When you earn is not sufficient for you, begin to set aside funds for retirement.
5. Avoid debt.
Not a few families pay a fairly large expenditure using a credit card. Unfortunately, most people are happy to rely on credit cards to buy anything, including the little things that you never planned. For example, buying a friend a birthday present. As a result, the desire to buy something using a credit card is often out of control. & lsquo; surprise & rsquo; please do not find the time to pay your bills, it could be, the amount exceeded your account balance. Avoid debt. Ensure use credit cards only for things that have no money you allocate. For example, to pay hospital care or pay the cost of staying at the hotel while on vacation. Plan carefully any decision to buy something, and control the use of your credit card. Controlling the use of credit cards can be done by not changing desires into needs. That way you do not need to suddenly feel the need shopping.
source: ayahbunda.co.id
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