Simple Ways to Manage Financial Family

Financial problems are a common thing experienced by young families, especially in the first years of life underwent housekeeping. Not to mention the child shortly afterwards present among you and your partner. Is it true that the problem lies on a large or small family income?

"Often the problem is not with less income, but wrong habits in managing money," said Ligwina Hananto, financial planning experts in an event Ayahbunda some time ago. It turns out, in fact, a father who earn hundreds of millions of dollars could be in shock when they found the money to stay Rp. 500,000.00 before the end of the month.
Ligwina provide some keys to manage finances is simple:

1. Understand your family's financial portfolio. Do not until you do not know the contents of the savings, the amount of electricity bills, telephone, car services, shopping, doctor's fees and others. You should know how much credit card debt, bank loan or mortgage and car.

2. Develop a financial plan or budget. Realistic financial plan to help you be objective about the excessive spending. No need is too ideal, so forget the needs of yourself. Nothing wrong with inserting the need to go to a salon, spa or clubbing. Importantly, the budget a realistic amount and you must comply with the budget.

3. Think about closer understanding between "need" and "want". Quite often we spend money on things that do not really matter or simply driven desire, not necessity. Make a list in the form of a table consisting of columns for the items, needs and desires. After filling the column items, and fill the "needs" and "wants" with a check mark (V). From here consider more mature, objects or things you need to buy / fulfilled or not.

4. Avoid debt. The temptation to live the greater consumption. But that does not mean you easily purchase various items on credit. Grow a healthy financial habits starts from the simple, such as not having consumer debt.

5. Minimizing consumptive expenditure. Meet old friends to exchange ideas on the cafe is sometimes necessary, but it does not mean you should do it in every Friday afternoon. You can use these expenses to save or meet other needs.

6. Set goals or ideals financially. Arrange the financial targets you want to achieve regularly, as a couple. Set specific goals, realistic, measurable and within a certain time. This goal helps you focus more financial designing. For example, aspires to have an international standard of preschool education funding and so on.

7. Saving, saving, saving. Change habits and mindset. Immediately after receiving the salary, set aside for savings in the amount you had planned on purpose or ideals of your family financially. Instead, you have a separate account for savings and daily necessities.

8. Invest! You certainly will not be satisfied with just wait savings soar. In fact, your ideals for the family "exorbitant". This is the time to also think about investing. Now various forms. Fear of investment risk ?! No need to worry, you just need to learn the experts. Consult your finances with a reliable financial experts!