How to Effectively Manage Financial

1 . Pay off the mortgage and arrears first, then set aside at least 10 percent of monthly income for savings .For example like this: For example bloggers salary is 3 million per month , the first step is bloggers should pay off the debts and mortgage first, then set aside 10 % of the gross salary ( salary if 3 million , meaning aside about 300rbu month )
2 . If you get a bonus of up to 50 percent and use the remaining savings.It is undeniable , both to private employees and civil servants , surely we often get an unexpected bonus of our work . The bonus is usually we get for our work over the target , etc. . Use the bonus for the purposes of our day-to - day with a maximum use of 50 % , then the rest of us tabungkan and we made ​​one with 10 % of our savings first .
3 . THR or 13th salary savings should be used to supplement rather than vice versa , which is used for purposes that are not urgent .Endonesa is a country that upholds THR : b : . Even some employees work for large or small THR they receive each year . Now we use the THR annually this should get dimaksimalnya to allocate the money to our savings or used to purchase emergency needs . " The need is very urgent " , in this case open buy clothes for the holiday or allocate for homecoming .
4 . Give spending targets per day , not to exceed the target .Think carefully what to buy . Buy goods and necessities that can not be postponed . If necessary make a purchase priority goods bloggers each month .

    Tips :
    Never buy something just because he is cheap .
    Never buy something , that does not make us more useful to others .
    Never buy anything , because the rich do not worry be seen in front of others
    Never assume , borrowing money as extra spending money .

5 . Distinguish between needs and desiresNeeds : a basic things that must be met in order somebody survival . For example : As with clothing , food, housing and so forth . Every human being requires these basic things . Because it is a fulfillment of the basic things , the need for it is limited . Like if hungry then automatically we need is to want to eat . Therefore , there is a saying " you eat when hungry and stop before satiety " . That is, if the requirements are met , we do not need to waste money by buying items that are not needed .
Desire is the things that we want , or aspire. If necessity is the lowest standard or absolute , then the desire is likely to be high or ideal standard .
6 . First of all heed the use of money for purposes that  important and fundamental .For the purposes of subsequent secondary / daily necessities and set aside For the rest we can save in the bank and never once taken his savings until there For purposes of which benar2 important .
7 . Calculated budgethonestly we do not really like to think about the budget , right? " hard " or "never succeed " , that's the reason that we are bringing. Like it or not , aka budget budget is an important tool for financial control . We can see how much money we have, where " gone", and how much is left .
Suggestion : According to financial planner and director of women's financial network , susan jackson , that said budget was more positive planning replace it with money , spending control plan or cash . Well , try to be more realistic . Do not do a total change . Do it gradually . What is important is the discipline to the budget . that's why , maybe we need to always carry a small notebook containing a list of groceries in the bag . If it turns out you still exceeds spending budget , do not punish yourself too hard . Remember , changes will not happen just one night .
8 . Of the smallit can not be denied , the cost of living is now expensive . However , in fact we still have the ability to save . Imagine now we have to save Rp . 200,000 . Maybe we will be grounded because there is no money to pay this and that. However , when an old friend called clan invites us met at a restaurant , all of a sudden we have the money to go 200,000 .
Suggestion : " we better start saving with little money rather than wait until the money collected many but never even started ( because the money does not get-togethers ) , " susan suggestions . Only 10 % of the minimum income that must be why we have saved . If it is still too difficult , just try it the old fashioned way using a piggy bank ( but not piggy bergembok and locked , yes ) . We can put the Rp . 100,000 each payday into a piggy bank or coin insert Rp . 500 every day the results of the return bus or shopping in the supermarket . Do not forget to always raise money savings , if we pay up or we installments paid .
9 . Forget credit cardspay more than the minimum payment bill should be the first step to abandon our reliance on credit cards . We certainly know the minimum payment will not erase the debt on our credit cards on the flowers continue to bloom . Well, here we will realize our need to create a budget . We can see the huge funds remaining and could probably use it to pay down debt . This could accelerate the repayment of the debt.
Suggestion : Another alternative is to use the balance transfer program from another credit card that offers 0 % interest for a period of 6 months , for example . However , according to financial solutions brouwer of outlook , key out of debt is to change the habit of using credit cards . We can start by leaving the credit cards at home or do not delay bill payments . Want a little extreme ? Ask the credit card limit reductions , for example, only double your salary . In this way , we will use the credit card only for immediate needs only and not for consumption .
10 . learning investmentnah , after the affair settled debt , now we will have more money to start investing . Actually , with only Rp . 100.000 , we are able to invest . Perhaps the next question is what type of investment is suitable for us ? We can judge ourselves through quizzes contained in the books of investment or financial planner requested assistance services , the type of investors who are we ? Conservative , moderate or aggressive ? Indeed, we will charge you when you consult . However , when considering the situation , we still get the benefits anyway , the advice of a professional .
11 . Do not forget protectionok , at this stage we would have managed to have some money in savings and investments . However , all of that means nothing if we suddenly sentenced to suffer severe illness . Money saving and investment can be discharged for medical expenses .

Basically expenditure can be divided into four sections :

    Important urged
    For this part is spending most often we notice
    This example is the cost of basic needs ( food, clothing , and shelter ) . This requirement is vital because it concerns our daily lives , we can not avoid these interests should come first and whatever the consequences .

    Urge less important
    This cost is the cost of repayments for example, property and objects ( houses , cars , motorcycles , electronics , etc. ) to deal with these costs , before making a purchase / loan approval decision , to consider their own economic circumstances , whether it is sufficient for an urgent and important , set the schedule us that this need not accumulate / occur simultaneously . Do not get used to using the installment unless forced . Remember the risk of losing all installments when you are not able to pay the installments due importance when urgent financial situation suddenly huge .

    Important not urgent
    The cost of children's education for example , medical expenses , vehicle repair costs ( if you have a private vehicle ) . This is a cost that should have been budgeted costs before they occur , then these costs can be mitigated denganAsuransi , so that you can avoid confusion due to lack of funds , it helps you to allocate your money first before going . This fee beyond saving / saving though payment systems such as saving .

    Not important and not urgent
    This fee is charged example of fun , luxury homes , travel, other tertiary needs ( luxury mobile phones , television , etc. ) . This cost is the cost that is allocated when all costs that have occurred have been met . if the cost of the others have not been met , do not take / add to your burden . calculated that the cost is huge and not murah.jangan never repay or borrow money to payment of such objects . because this is not your real needs !

    Saving / investment .
    is a " fee " that you have to spend , after the numbers 1,2 and 3 requirements are met , you always have money to save / invest so that you can use their money more wisely . use the proceeds of the investment / savings you to meet the needs not important and not urgent .