Overcoming spendthrift nature NO.3

3. Do not see an easy-interested goods because the goods that only in diskon.
No matter how much diskonnya, if you do not need an item, why you should buy? A sale and purchase transaction of goods should have occurred because of the need, not because of the discount, regardless of whether the size of the discount is.
Clothing which is worth $ 100 thousand is not to be purchased only because the price didiskon to Rp 20 thousand, right? It is important here is, whether you need an item, not because the goods whether or not didiskon. Remember that the discount is made for you to buy. Enggak correct?
Once again, all of that back to yourself. Himself You can prevent your spendthrift nature. I can not change you. You can only change yourself. Set the first determination to change the nature of your wasteful, useless because you try to press your spendthrift nature if you do not set a determination first in your heart.
And make you interested to learn more about this lavish, you can witness the event at the Welcome Morning RCTI on 2 August 2001 at 07.30 WIB. There will be about how people can have and how wasteful it. Congratulations to you spendthrift nature.

Overcoming spendthrift nature NO 2

2. Do not see an easy-interested goods because the goods are only good.
Do not worry, not only you who like hungry eyes. Sometimes I also often hungry eyes, and it is humane. The difference, there are people who can control the hungry eyes, and there is not. There are many goods in the shops, but surely if you can not control the hungry eyes, you will continue to buy, the money you may be limited.
No one can overcome the hunger of you, except your own. Not me, not your friend, not your family, but your own. Useless if you have a budget you are often hungry eyes. So, you must control your hungry eyes.

Overcoming spendthrift nature

Readers, if you always extravagant in your spending? If yes, then the tips below may help you to overcome your spendthrift nature:
1. Create a restriction against yourself.
Why do not you try to limit yourself and try to comply with this limit? You can try to make Family Expenditure Budget and try to comply with the budget. Remember that a budget is to make the point to limit yourself in the money spent.
For example, if you regularly buy new clothes every month, say, $ 200 thousand per month, then make a budget of - say - $ 250 thousand per month for the purchase of new clothes each month. About the high number of low budget will come back to you, because the needs of each person is different. You've called wasteful spending, if you exceed that should of, or exceeding of the limit you have set yourself.

7. put it all your money. Never use your coins to pay for the transaction, but only tabungkan all into savings. Thus, you will be "forced" to save money. I know, save in the savings seem like a small child, but until now I believe that the savings can help, and "force" you save money. How this can be as effective for people of all ages.
8. Think for additional revenue. Why do not you try to run a side business? If during the time you and your husband to work, then try to run the business side. If the business has become big soon and be able to give a sizeable income, you and your husband will have an alternative to work and do business together, or perhaps even a total of 100% in the business. Who knows?

6. If you do not have insurance, you should immediately take insurance. For example, if you have a home, take home insurance. Thus, if your house burned, you will get santunan insurance that can be used to rebuild your home. If you have a car, take car insurance. Thus, if your car was damaged due to accident, you will get a replacement for your vehicle mereperasi. If you have insurance, take life insurance. Thus, if you (or your husband) dies, then your husband or you will get enough santunan that can be used to defray the burden left behind.
If your family is not the replacement cost of the health of the workplace, the husband, there is no one to take your health insurance. Principle here, the move risks such as this to the insurance company. Thus, if your family has risks that can cause financial losses, your family does not need to pay. Asuransilah who will bear.

5. Set the intention to have a reserve fund. To reserve fund is to prepare for when the source of income in your family have a problem so it does not work (such as bankruptcy or the occurrence of getting fired business, for example). Thus, if your husband or your in-PHK, in business or go bankrupt, the reserve fund can be used to your family life during the next few months. Perhaps for 3, 6, 9, to 12 months ahead, at least until there is a permanent source of income again. +

I never fed-bosannya reminded of the importance of this reserve fund, because the existence of the reserve fund is important. How is the size of the earnings in your family, if there is no reserve fund, the financial system in your family is vulnerable.

4. From now on, provide education fund for your children. Either with the save regularly each month, or by taking insurance education. Enter the regular savings deposit of funds for the preparation of education to the child component in your spending.

3. If you do not have the money to pay for the stock of expenditure outside the budget (as required in number 2 above), there is no way other, more secure than the first delay in expenditure. In the above example, this means you need to pause before you purchase the radio tape, and may need to save money during the first few months until you can gather enough savings to buy the radio tape.

2. Even if there are expenditures that posnya outside the budget (expenditures that are not routine or unexpected), should not use the money from your regular income. And from where? Use the savings you have. For example, if you will buy a radio tape (where the purchase of electronic goods are not routine and is done outside the budget), then do not pay money to use your regular income Rp 1 million, but take stock of the savings that you have.
Therefore, your regular income is used only to pay for routine expenses. In this way, there will be no more budget to the penetration. You need to know, lost budget is often caused because of the expenditure items that have not previously in the budget. So if there is something outside of the purchase of the budget, but do not collapse your regular income. Take advantage of the supply of money savings that you have.

If you want to prepare your finances better in thIs year , then I have tips that may be useful for you can apply in your family

1.From now on, pay routine expenses of the family only a routine entry. That is so, if your family always get the routine of Rp 1 million per month, and the family is routine expenditure of Rp 900 thousand per month, then you should pay the routine expenses of Rp 1 million cash earlier. Thus, the budget will remain balanced.

PREPARE FOR 2009

Now we have entered the New Year, 2009. Many people use New Year's moments to think and set goals that you want to dicapainya. Many people who set the intention to become better.
Are you among those who like to daydream and to set goals and define the intention to become better in the New Year?
If answered yes, then I ask you again to see the things what you have is niatkan. Maybe this year you would like to improve the relationship with your parents. Maybe this year you want to give your children is more a picnic outside the city. Maybe this year you want to have a more harmonious relationship with your wife. Or perhaps, you think to look for additional revenue with the search for side jobs or run a side business