If possible, this year you have to go back again could be in a stable financial condition, can be vacations, and all of the numbers in the account books lengthening.
So, immediately started with 5 easy steps to manage your finances by the following ways of Futuready.
The division Salaries
Ramit Sethi, author of I Will Teach You to Be Rich, solve financial arrangements into four categories with each of the different percentages:
1. Spending Highlights
For basic settings, Sethi put up the numbers 50-60% of your salary. All in this category will contain pengeluaan such as home rental fees, meals, pulses, every installment, clothing, internet, up to the cost of health insurance.
2. Investments
Sethi put up the 10% of your salary to invest. In this post, including the cost for your retirement security. If you've not already have one, the end of this month for the right moment you start entering this category in the financial arrangements.
3. Savings
5-10% of your savings will be devoted to savings. These savings specifications for what you use, it tergantunya your own. You can put on saving for a vacation, home installments, or you plan to continue their education.
4. Guilt-free Spending
Sethi knowing full well that you also need entertainment. Well, amounting to 20-35% of salary you please to be used for fun. Ranging from movie tickets, hang out in the bar, buy the latest games, anything you want.
Open Savings Without ATM
Previously, it had no right division for each Gaju savings from your monthly. Well, to make the "safe", you must open a savings account with no ATM. So every month, 5-10% of your salary will be safely stored in the account without this ATM. It's nothing, spending will not be felt if you always pay with debit and swipe their cards.
Always Use Cash
For the sake of your finances, you should start a habit to not carry an ATM card every time you go. You can set up a cash amount that you need. With ATM, usually involuntarily arises keinginian to continue to withdraw money or pay for groceries with the money in your account.
Adjust Lifestyle
You may see fashion items, a place to hang out, or gadget trend. Are you sure you want to follow it constantly? You must be smart to control myself and sort out which needs and lifestyle to match. Trends are always changing, if you continue to pursue it could be there will never be the remainder of your savings.
Healthy lifestyle
It's been working so diligently, lest you run out because the salaries have to pay for the hospital. Rutinlah exercise and watch your food intake. According to Pritchard in his Hapsari Ghozie Know Your Financial Protection, published by Kompas, Saturday, December 10, 2016 and then, one solution to protect the family finances related to the loss of potential earnings is a life insurance policy. Insurance serves as protection for financial condition. So you need not worry anymore when sick or something happens to a family member. Because insurers will bear.
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