manage your money become Happy Family

In order to realize the ideals, you should be able to manage your finances well so that your plan can be realized.

You plan this year, probably the same as your plans in the past year. But due to lack of planning until the end of the plan living plan. Your goals for savings, pay off debt, own a home or a vehicle has not been achieved. You can not realize your plan. So, do not let this year pass without any valuable thing you can get.

Manage finances, you have to be disciplined. Do the following things to manage your money.

1. Saving
Prioritize to save. in some people, this is something that is quite difficult. because they feel they lack the income to cover their daily needs so that it seems impossible to save. However, in managing finances, this is the main thing to do. The trick is to immediately save money after payday. You can keep it in the bank or in a fairly safe. Set aside some of the money will help to reduce the desire to spend it.
The amount of money saved, at least 10% of income. Immediately set aside this section. You can also follow the existing programs in the bank in which each month will be debited the amount of money or you are required to deposit it.


2. Budget
Budget notes how income is used. Creating a budget will help to monitor, control and even reduce your expenses. By knowing anywhere or spend any income, you will be helped to achieve your financial goals.
So that you reach your financial goals, then do not let your expenditure is greater than income or unbalanced budgeting. Distinguish between needs and wants. Often, we spend is the things we want but not necessarily things that we really need. Remember, that there are financial goals you want to achieve.

3. Planning
It is important that you make a plan. For example, as we have planned to have a home or apartment. If you do not have the money to buy it, can in installments. Just make sure your calculations correctly so you do not have debt that is not necessary.
Good also if the backbone is planning to take insurance that can protect a family that should something bad did not significantly affect the financial. Parents also can plan for pension funds in order not to burden their children further.


4. Investments
Choosing the right investments can increase the coffers of your savings. Before you start investing, you should first learn about the investment so that you better understand and not be deceived. We recommend that you choose a safe investment with additional rational. Do not get tempted by the interest or the result of excessive investment.


5. Balanced
Do not sacrifice the physical or emotional health of the family just simply want to accumulate wealth. If sick or there is a problem in the family, there will be no inner peace owned. As a result, the mind becomes chaotic and there may be a lot of money spent to overcome this problem.

Five steps above, will help you achieve financial goals and make the results of your hard work is not in vain. Helping you own property as the fruit of the hard work that can be enjoyed. Life is uncertain. So, while you still have the opportunity to set aside your income, do it! so that you will not regret in the future.