Saving Tips For Low Earning
The main problem is that there’s always a family usually revolved around finance. Could be due to lack of money, the excess money or because of the confused how to arrange the money his earnings while always needs exceed intake.
But it’s all Word of mouth key is how to manage the family’s finance or personal with intelligent, meticulous and well. Due to financial problems set regardless of you people are poor, medium or rich. Because anyone can manage his family’s finances, then it can be said to be 50% of their already successful and unsuccessful in terms of financials.
To that end on the inscription this time we will divide one of the tips are taken from one of the endorser My Family Accounting Mr. Ahmad Gozali. As for he gave a tip and tips how to make a successful family in organizing his family finances. As for the secret to success is by performing the following steps in order and discipline, namely:
Each time receiving the salary of the player who most of all you have to do first is to pay the mortgage debt first. Why? Because of the debt is the most important obligations that must fulfill to the other party is from banks and other financial institutions. Because the discipline you are paying in installments and ratings are a reflection of your good name in their eyes. Once You pay the late your name will be entered in the list that should look out for black later. So keep the good name as a debtor is very important here, because it would be useful later on in the future. In addition it is with this installment, prioritizing pay means we already appreciate the creditors we were kind enough to lend money to us.
After paying their mortgage debt, then you’re doing is the tithe or make a donation. Yes this is one of the proof of our gratitude to Allah, the Almighty God who has given the gift of luck to all of us, so that we can do everyday economic activities smoothly without drawbacks. By allocating special funds to tithe was then it surely Allah will increasingly add grace and abundant sustenance to us. Do we want more and received by The Creator and giver of Sustenance we?
After the tithe what else ya? Next are not equally important is set aside at least 10% of your income for savings/investment. Wow, a why front of you? Instead of just saving it at the end of alias if there’s any left over? that’s one of our bad habits with the wait if there’s any remaining money in the end of the month, when in reality it is almost always no remaining right? That means we’re never going to be saving. Well, now the trend is a good habit of saving and in front, with a cut right off every time it receives a salary/income. For more information about what and how this has been disciplined in saving we explain in a previous article entitled “Saving Tips For Low Earning .
financial planning and risk management
Son of a mandate from Allah. Educate a part of worship, though not an easy matter. Is the dream of every parent, when able to provide the best education for their child either. Yet another fact often said, most parents are not able to make it happen.
Why did this happen ..? It turns out that the main cause is lack of financial planning and risk management, such as:
1) consumptive lifestyle
2) the improper management of earnings
3) The mindset of people who have not put insurance as a requirement, in addition to savings in the bank.
Preparing for the education of children is an obligation for each of us parents. Sometimes we often forget to ask ourselves whether we have prepared the cost, to finance the education of our children’s future. Whereas in preparing children’s education fund, actually not only need to know about how to calculate the budget for the preparation of funding their education, but also what investment products should be selected. So the choice or ideals can be realized for our children to school place they want without constrained cost issues.
With the Insurance Education, you do not have to worry about the fate of your child in the future. Your savings are protected. If something happens to you, whether it’s critically ill, accidents and even death, your plan will still carried on saving money. Since the Insurance Education will take over to save for your child’s education fund, so that you plan to collect money for your child’s college costs will continue to happen until the child turned 18 years old. Graduation Degree
If you think education is IMPORTANT! So do not hesitate to start saving money now, before it’s too late! Remember we do not know what will happen tomorrow, at least we have to prepare something that’s best for our baby.
Congratulations education funding plan your baby
Social Security for Human Livelihoods Resources
The attitude taken by Muslims against “those who enrich themselves” and “those who bermewah-luxury”, and bad picture described by the Qur’an to them, and the threat of bad luck that would befall them and their communities, Islam does not mean praise and choose pauperism, poverty and humiliation. Also does not mean that Islam forbids men to own property-wealth and collecting it. But that is prohibited by Islam is an act of “hoarding” wealth and accumulate wealth-stacked it, and allow it to be utilized by humans in general. Muslims and Islam invites man to hold the property only appropriate levels of personal needs, to then menginfakkan excess of what it needs. With infak levels are not limited to the size of charity only, such as suspected some people, but also infak that use excess personal property from the levels it needs for the sake of His people, in any form of investment and business.
While the treasure hoard and monopolize wealth, is prohibited by Islam. Status rich who can meet the personal needs is a command and the targeted objectives of Islamic Shari’ah, not just “allowed” only.
For then what is excessive use of wealth – which has to meet personal needs – in the form of business and investment in the public interest and development, and to lift poor people into a group of people who fulfilled their basic needs.