. The situation can be like this. When earnings may not rise as a result of the company facing this crisis, we still must accept the fact that spending money and transport money that has been prepared can no longer be used as properly. So what might we do? Here some financial tips as a suggestion for us to consider further.
1. Start from inner self
Financial problems are located in the one fact that is not sufficient revenue that we earn. And the appropriate answers for it surely is make enough. Some of us will say to get additional revenue is way out. And can not blame such a contention. But is it true that additional revenue is always a solution? In fact must be recognize that getting additional earning is not easy. Sometimes the sacrifice that made, may not balanced with the result obtained. It is also stated that not every people can do finding additional income. Therefore, before deciding to try to find additional revenue from outside, it is wisely to try to evaluate our self condition regarding financial or our earning management so far.
- Evaluate the use of funds
The first step to stabilize the financial is to make
finance evaluation. Try to write down this month expenses recorded to meet all the needs. Usually families complaint for the monthly expenses that is always exceed the target that has been determined. This condition usually happened because the unplanned expenses occur when shopping, such as discount or buy anything that not planned to buy before (impulse buying). The main problem is this extra expense usually taking the shopping budget account that has planned before so that spending money always exceeds the target.
That is why from now on, try to
separate the main needs or expenses to the follower expenses. Thus we could find out how much is the real family expenditure each month.
- Create a spending priority
Remove that must be removed, and the resistance to that has not been needed. Main tips is try to
separate the needs and desires. Needs is expenditure must be done. And desire is expenditure that may still delayed. So with this simple definition, we should make clear what the priority in the family expenditure. Try to ask yourself at the time when you shop or buying something spent your money. "Is this expenditure can be delayed? What are the consequences when delayed? ".
If the answer is cannot delayed or when delayed could make negative effects result higher, it means need classified. But if the answer of that question is that can be delayed andnegative effect does not provide too large, then it is the desire.
- Muffle the not detected expenditure
One of the failures in the family is the occurrence of
financial profligacy. So why do not we change the pattern. Try to save the surplus funds. Each of the early days, after the count and make a budget, the family usually leave their surplus funds in the savings fund as unexpected. So why don't we put the excess funds in the form of
productive goods, such as agreed to buy gold coins. How about the unexpected expenditure? Try to using the credit card for this. But, of course, the consequence is have to pay after the charge. Where will the funds come from to pay this charge? Sell the gold coins that bought before.
Sometimes conscious or not, if we are leaving money for something unexpected, the unexpected things can happen. Therefore do not expect to happen, separate your surplus funds in advance, so not to be unexpected and undetected expenses later.
2. Finish from the outside
Now it's time to finish it from the outside. For the financial, families depend primarily on two aspects, inside factor which is how someone set up and manage the financial and from outside factor that is how someone set up and manage all the temptations and offers that can affect the overall family finances.
If it is not forced, avoid new forms of
debt, in advance specially consuming debt. Debt is not additional funding but it would be additional obligations that have to completed. Because the
interest rate loan usually increase in every price or market increasing situation.
- Discount is not always the answer
Rather than removing the few funds for goods that are not needed or even that only make you more consumptive, may better to purchase goods with price a little more expensive but needed really. The most important is not how much you spend, but what for you spend.
- Avoid Investment Speculation
With the economic difficult situation increasingly, more people offering alternative solution that one of it usually also kind of investment. At that time, usually the type of investment that provides the most seen as a way out. But if we do not fully understand of it, never go in it.
One alternative way to make economization and help your finance is to move the cost that may occur to others party. And it can be done by the insurance company.
Finally, there is no way other than trying to increase revenue. Start trying to find out self potential, recognize the environment and always looking alternative is basic way to get additional revenue for earnings. It does not need big, but make it into a routine. So among all the rising cost, there is little additional revenue for us for just little adding to invest.
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