Why does one need to understand how to manage or manage the finances of salary received each month better and to be useful and effective? Not a few people who have difficulty in managing their monthly salary. Especially when modern times like this temptation to spend your money here and there.
This may happen to you because of your inability to manage your salary. But do not worry the following I give a surefire way to manage the monthly salary in order to remain remaining. What are the tips? Let's refer to the following reviews.
# 1 Create a monthly budget
The first way to manage or manage your monthly salary you can do with the step of making a monthly budget list.
From now on make a list of expenses for your needs into two parts namely the primary needs such as food, work costs, water and electricity bills, motor installments and so forth.
And tertiary needs let alone for roads, shopping, and others. This you can prepare from now on as a form of anticipation so that your monthly salary is not solely exhausted.
# 2 Pay the bills immediately without delaying
When your monthly salary has come down then you should bill whatever you have immediately to pay it so as not to delinquent solely and add to your burden.
For example saj motor bills, water bills and listri, bills telopon or other bills you have. This is very important so that the daily needs are not hampered because of this problem.
By setting aside money for this bill then you will be easier in managing your other expenses.
# 3 Do not forget to save
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Better before your salary runs out then try to set aside for savings. Because this will ultimately benefit you as well.
Sometime when there is a disruption with work then the money in your savings can be used to meet the needs.
In addition to saving you can also save money from spending unnecessary spending that can spend money in vain. Check out the difference between britama and simpedes savings.
# 4 Create a daily financial record
When you shop for sure you get shopping sturk right ?. Well, from now save the receipt as a step to create your daily financial statements.
In addition to being able to know where your money goes so far you can also analyze what goods should not be purchased. With this use of money will become more efficient and controlled.
Learning to manage personal finances is very important to do because it will help you manage your own life economy.
# 5 Have more than one bank account
We recommend starting now you create two different accounts. The one you can use for everyday purposes such as paying bills, shopping and so forth.
Then the second account you can specialize for future savings. Make a special percentage for your nominal savings. Try not to be too large an important number can be routine saving and consistent. Do this as an obligation or requirement for you every month.
In addition you should also be able to determine the type of account of its features whether in accordance with your finance how much the minimum balance or settle in the account and if you can choose the type of account without the cost of administrative monthly.
# 6 Be wise for those who use credit cards
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When you have held a credit card then try not to be arbitrary in its use. Precisely with this you should use to assist you in managing finances.
Let's say use the promo given to buy the goods you need or you can use to pay all the obligations or bills.
One more do not forget when it gets credit card bills then immediately to pay it off do not bury until nunggak. Or as much as possible you should choose the type of credit card with installment facilities and light interest to be more profitable.
# 7 Investments should still be considered
When you have divided your salary for savings and day-to-day needs, but after you count there are still excess then you should be used to invest by following insurance, mutual funds or you can buy gold with a high enough selling value.
Investment and saving are two different things but essentially the same as storing property. If savings can be taken at any time but different from the investment that can only take on a certain period of time.
Both of these ways are certainly very profitable for you because equally can guarantee your future becomes brighter. Check out more on the most profitable types of investment articles.
# 8 Make comparisons
You can compare your monthly spending and budget. This should be done to determine whether your spending is within the budget that has been made or not.
If the results are not the same then it is time for you to fix the budget. Match the expenses that have occurred, with this you can find out what goods are draining large enough funds.
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