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 .
Benefits you can get when you have an insurance account
Have a guarantee of tomorrow for themselves and families in preparing for the unexpected things is the right solution for your future and your family can be well planned. But unfortunately prepare for the worst thing that has not become a habit for most people in the homeland. However, the occurrence of earthquakes in some areas many parties and they realize that it takes preparation to deal with it. Because that’s the reason for your present insurance products.
Insurance comes to comfort you and your beloved family life, arranging future financial plans and protect your valuable assets.
Benefits you can get when you have an insurance account:
1) Long-term investment with protection / complete protection, so that financial goals can be achieved
2) Protection of Potential Income or Economic Value your
3) Confirmation of the availability of Pension Funds
4) Certainty Education Fund availability for your baby without concern when there is a risk and inflation
5) Maintain your standard of living and family
Everyone has a dream and living standards are different. In order to realize a dream and achieve the desired standard of living, everyone is vying to accumulate wealth. However, did you ever think what will happen to their wealth and standard of living you and your family if there is a risk of unwanted …? This is where the benefits of protection / protection of the insurance will be felt valuable. Insurance will always help you and your family sustain or maintain your current standard of living when you run the risk that had never previously suspected. Remember the saying of our parents, “Stand Umbrella Before the Rain.”
Every human being should plan life possible, the risk transfer through insurance is one way that God has provided. “If God has provided a way, why do we want to run / own
financial commitment after marriage
First, commitment. When you settle down, it means you’re ready to share the income for your household. If you are still using the ideology of the individual in your household, it’s no different than life itself. Will ultimately lead to financial problems. Therefore, a commitment to share a foundation in managing family finances. If during this husband and wife was already using the paradigm, income is the right of each, then change the paradigm. Not too late.
Second, determine the financial goals together. How many assets who want to have? How to prepare the child’s school fees? And so forth. Every family has the right to determine their financial goals. However, that being said the key is how to make a priority of these financial goals. Who should relent and what should take precedence.
A simple example is the need for a family vehicle. Could be, because the inequality view of the family of funds eventually run out to buy things that are not productive. The most common is about the car. It could be that the husband wanted the sedan type car. The goal, so if the office could be more stylish. However, the wife wants the type of vehicle that can carry a lot of people because each wanted to travel together his extended family. If there is no meeting point, the family then bought two cars which in fact is not productive.
This sort of thing could lead to swell the funds for the purchase of cars, and can interfere with family financial goals. Therefore, in the context of these financial goals, both parties must be willing to yield real and prioritize the assets that are productive. As for consumer assets should be based on the functions and basic needs, rather than mere desire.