Have you ever felt that your salary is not enough to receive your monthly needs?
Have you been wise in managing it?
Have you been wise in managing it?
If you answered yes to the first question and your second question the answer is no. So, you need to learn again how to manage finances. Not to blame the salary may not cover your monthly shortage needs.
But, self is you that needs to be reset:). In fact, whatever your job, regardless of income, as long as used wisely, you can certainly happiness. Tipper blogger will give you some tips so you can manage your salaries correctly:
- Divided by the post
Well, so far, how do you adjust the allocation of expenditure items? Your first task is to record at least three months back to what the income earned each month is used. The point, so you can determine the ability, and also know where the posts are leaking.
In general, household expenses can be categorized into routine living expense items, postal savings and investment expenditures, debt repayments postal, postal expenses and lifestyle. New employees in general, many had the will but realize there is a limit of financial capability, then the only way is to create a budget or spending plan.
In general, household expenses can be categorized into routine living expense items, postal savings and investment expenditures, debt repayments postal, postal expenses and lifestyle. New employees in general, many had the will but realize there is a limit of financial capability, then the only way is to create a budget or spending plan.
- Do not be infringed
What if the post is always great everyday pegs than the pole?
Certainly should not be taken from another post, the savings for example. The goal was to create a budget so that expenditures directed and in accordance by our financial plan. The key to a successful budget is realistic and discipline. One way is to create separate accounts for the affairs of monthly expenditure, pay utility bills, investment accounts, and a special account like "My shopping account" or "Spa for me".
Certainly should not be taken from another post, the savings for example. The goal was to create a budget so that expenditures directed and in accordance by our financial plan. The key to a successful budget is realistic and discipline. One way is to create separate accounts for the affairs of monthly expenditure, pay utility bills, investment accounts, and a special account like "My shopping account" or "Spa for me".
- Automatic Debit
Employees also must have an automatic debit instruction to their respective accounts. However, it could be, any direct payday date budget to distribute funds according to those accounts. If you are not familiar by electronic transactions, use the envelope method. Fill out the envelope in accordance by budget that month. If you already started to thin, but not the end of the month, it was forced to downsize.
New employees who do not have dependents, should also be set aside at least 20 percent of monthly salaries for investment. The recommended investment course that gives the greatest profit potential such as stocks or stock mutual funds, because the goal for the long term.
New employees who do not have dependents, should also be set aside at least 20 percent of monthly salaries for investment. The recommended investment course that gives the greatest profit potential such as stocks or stock mutual funds, because the goal for the long term.
- Create a priority
How if income was is not as big spending plans? Prita offers a step of making a priority by using the method ZAPFIN. This concept is a very easy way to make a priority in the budget. Any income received, should be used with the distribution of Zakat, Assurance, Consumption Present, Future Spending and Investment.
Author: Hendi Hari Suryanto
(source of yahoo.co.id & tribunnews.com)
site : http://id.she.yahoo.com/agar-gaji-bulanan-tidak-jebol-032939759.html
(source of yahoo.co.id & tribunnews.com)
site : http://id.she.yahoo.com/agar-gaji-bulanan-tidak-jebol-032939759.html
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