If two 'phenomena' are repeated often means something is wrong with how to manage our finances. One of the things that make our finances chaotic is our own habits.
We are not accustomed to discipline to manage finances and can not distinguish between lust and need. But calm, not too late. If you want to improve the financial condition, now is the time.
Well, some customs to manage this personal finance you must apply for salary is not just passing through doang. Take a look!
1. Track your income and expenses
Often we do not care about our expenses. Where did our monthly salary go? Tracking earnings and expenses can be done by making simple bookkeeping. If you do not want to be bothered to use financial regulator applications on your smartphone.
2. Give the gift
Wedding invitations relatives or friends can come insistently in a month. Donating money is fine, but it must be remembered: do not lose money because of frequent donations.
3. Check the bill
Being used to checking bills is important. Structure shopping until the most important credit card bill. This is important so we do not find the cost of stealth there.
4. Take advantage of the internet
It's not the time to line up in the bank just for a transfer. Take advantage of e-banking dong.
Especially if we want to compare and apply banking products like credit without collateral (KTA), credit ownership of motorcycles, credit cards, etc. With the internet you do not need to travel around the bank just to find information.
5. Saving, saving, saving
Saving habits do need to be nurtured early on. But it's never too late for you who are not used to it.
Begin to set aside a small part of your salary. This is important for a reserve fund or future funding.
6. Take advantage of credit cards
Who said the credit card was a demon card? If used wisely, credit cards actually make life easier.
Monthly shopping and buying tickets would be easier. Not rare credit cards that offer promo, point rewards and cash back.
7. Always make expenditure post
After paycheck always make the outposts. This list of expenditures must be obeyed if not distracted towards the end of the month.
8. Avoiding unnecessary costs
Often late pay bills and get fined, using brokers, breaking traffic that leads to a ticket. Costs that do not need this often we are sincerely because we feel we have a decent salary. If not discipline in the matter of trivial like this how to manage finances wisely?
9. Always compare
Be sure to always compare prices when you want to buy goods. Whether it's electronic goods, smartphones or plane tickets. There is no reason to be lazy, wong is no internet technology right?
10. Always take care
Accustomed to taking care of it is good. Not just stuff to be treated to be durable, taking care of yourself is also important.
The pain is expensive. Better to prevent than cure.
11. Refrain
Lust and desire can arise at any time. Especially if again a walk to the mall.
Looking at the large discount chest boards straight-degan. It's hard to hold back, but rather than starving at the end of the month, mending hold out unnecessary shopping first.
Remember, discounts can happen any time. So be patient.
12. Always set target
There is a principle in life 'let it flow'. This principle is not wrong.
But setting a target in life would be much better. For example, when the age of 30 must have a home. Age 35 years must have their own business.
But do not just put an empty target. Hold on to the target and try to fulfill it.
13. Self-evaluation
Self-evaluation. Do not wait for year-end for evaluation. Evaluating mistakes and things that have been done is a good habit. With evaluation we can learn not to fall into the same hole.
14. Anticipation
Anticipating the event that has not happened it must be done. For example, setting up a reserve fund to anticipate unforeseen events.
15. Think long
Think long and forward. Investing your funds includes a long-term example. That is, by investing you are preparing your future.
Well, about the above mentioned habits you have applied yet? If not, it's not too late anyway.
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