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How to organize personal finances

What do you feel when entering the end of the month or date old ?
It seems many of you are still difficult to manage their own finances, from start to like snack, shopping, and so on… Have you ever wondered, because you do not feel money payday increasingly thinning even exhausted, dan akhirnya kamu hanya bisa menyesal saat uang hasil keringat kamu habis untuk hal-hal yang kurang penting. Not a few others in his wonder like this :
-How the new date by now i've lived this much money aja ???
-New feeling yesterday received a salary, but now already almost gone aja ni money ??
-Kemarin2 I buy what aja, ga taste tiba2 money stay last breath ???
and many are frustrated and eventually chose another path like GALI hole hole CLOSE.
In the past I also like it, but after dizzy 7keliling I finally found my own way
to manage my personal finances and ultimately how this continues I developed, for it this time I want to share with you how I organize my personal finances.
What you are ready ???

okay my way baik2 note below :

1. Understand Needs and Desire
You should be able to tell which are the needs and desires of your life you, You also need to give priority rather than a desire Needs.
Example Needs : Eat,Drink,Transport,and other liabilities.
Contoh Keinginan : Want to Have HP, Laptop, Please reply concerned with your pleasure.
2. For 2 Bank account
You are required to have 2 And different bank accounts, A bank for the transaction / receive salary, bank B to save, to bank B select his bank ATM machines rarely and does not charge an administration fee per month or better yet the bank B-type investments such as bank ATMs Reksadana.Kartu B should be stored in a hidden place that is not easily visible to our eyes, or just break all gatel not let the hand of friction.. payday exhausted every month later you shall set aside some to be deposited into bank B.
3. Create a Monthly Budget
Once a month after each receive a salary you should be able to spend a little time to prepare your monthly budget. FIRST noted the budget for the most important thing or staples you for the next month.
Example :
Salary = Rp.1.700.000,-
Bensin/Transport = Rp.6000,- X 26 weekday = Rp. 156.000,-
Eating 2x a day = 15rb x 30 day = 450rb
(eat in warteg aja, cheap and healthy)
Pay rent boarding : 400rbTotal kebutuhan pokok kamu = Rp. 1.006.000,-

Rp.1.006.000,- This soon you pull from ATM, This money will I discuss in the way numbers 4.
Furthermore Still the rest 694rb !! Now 694rb in for two 50:50 result 347rb.
Then 347rb first who should be immediately transferred / deposited to bank B for savings.
Now your money in a bank ATM remaining money 347rb lg and let the last one is settled in bank A, deem wrote reserve fund for unexpected needs, tp remember ye should be wise in using.

4. Strategy Of Envelopes
You must prepare 32 small envelope sheet, amplop2 later that you write with the numbers 1-31 as the date and 1 envelope again you wrote “ENVELOPE SISA” (or free name) which clearly point the rest of this envelope to accommodate the remaining money every day and the money collected in the rest of this envelope should you use whenever you want, eg for entertainment,snack,buy credit,cigarettes etc..
Lanjuuuuutt !! Now the principal who Rp.1.006.000,- before you broke into coins sribu,2rb hingga 10rb-an bisa tukar dengan tukang parkir/tukar dibank dan recehan ini akan menempati semua amplop.Perhitungannya begini :
Transportasi = 6.000
Konsumsi = 15.000
Total cost per day = 21.000

Now each envelope 1-30 filled with money 21rb
, every day except holidays do not enroll money transport, Here we assume holidays 4 day in this month, mean 4 holiday envelope containing cash consumption was only just 15rb.

The next count for stuffing envelopes:

21.000 x 26 envelope weekday = 546rb
15.000 x 4 envelope holiday = 60rb
Rent boarding 1 mo = 400rb

Total all = Rp. 1.006.000,- = Capital again.
Well so pass me the count !!!

Now you pikirin deh, how money can last remaining daily 21rb sribu / 2rb to fill
envelope rest.

5. Increase Income
However you can not suppress the production terus2an you, without you knowing it and you must know dong that it needs more and more increasing, all staple goods prices kept creeping up, if you keep busy with pressing a steady income while spending that much-that much aja, free ya do, definitely going to burst as well believe me. So you also have to think about and look for ways to earn extra income from a side job that does not take much time, while the main work you continue to run normally, You can cooperate with wife,parents, or friend who can be trusted, for example modalin your wife to help sum up the additional income such as selling fried,uduk rice,pulse, and much more, please find ways and develop …
6. Bersodaqoh dan Berdo”a
Now the latter is also not less important nih, Lucky you to do the door will always be open.. for this is of course you already know the ? if you do not know how to reply to the 6th of this search in google aja, because I dare ga talk much about religion, tar cleric suspected hehehe …
Now for the run method of this financial arrangement, there is only one key so that you can succeed, the key is “ DISCIPLINE ” continue to try, try to continue, and develop …
Alright, enough so first yes scribbles of my, This graffiti may be useful to the readers of this blog, oh yes do not forget, like fanspage blog saya ya 🙂 hehe casino spiele makasih ..
SEND REGARDS FOR SUCCESS …..
Now for the run method of this financial arrangement, there is only one key so that you can succeed, the key is “ DISCIPLINE ” continue to try, try to continue, and develop …
Alright, enough so first yes scribbles of my, This graffiti may be useful to the readers of this blog, oh yes do not forget, like fanspage blog saya ya 🙂 hehe makasih ..

& Nbsp;

Administrator

Legal consultant, notaris, pengacara, business incorporation services , services licensing & nbsp;

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