07.20
1. Define your financial goals
You must determine which take precedence, which details clearly the more important to you and your family. In general purpose financial divided 3:
- Short-term Goals, for example, buying a new car, a holiday at the end of the year, moving to a larger home
- The purpose medium-term, for example, have children, opening a new business again
- Long-term Goals, for example pension, child study
Define clearly, which should be given priority.
2. Personal assets
You need to know how the net assets have been owned. Gambaran sederhananya, net assets are what you have at this time and reduced debt repayments. If you are approaching the age of the pension, including the heritage assets in private. Inheritance succession considerations made at the time an individual has dealings with the law, died when the receivables.
To find out how large picture net assets you have at this time, can use a simple balance sheet file (see excel attachment).
3. Determine budget
Calculate the detailed budget that is required and set your goals on the number that have been counted since the beginning. You should try to carefully manage expenditure, expenditure should not exceed the income, expenditure items carefully back to the savings again, avoid looking for a loan to cover the loan, your lifestyle, unless you are really in a state of emergency and believe earnings will increase.
4. Debt
Debt is not recommended, but if forced, pinjamlah only as you need, to keep in mind before you borrow money from banks, pinjamlah only the amount you need because it can only loan interest rate can increase, which far exceeds the debt borrowed. Create a plan to pay off debt as quickly as possible, for example, finish first high-interest debt such as credit cards, loans without collateral (KTA) etc.
5. Provide reserve fund
For emergency situations, provide reserve fund equal to 2-3 times the monthly income, it is necessary to guard you in case PHK or because of other things. Reserve fund can not be diutak especial if the situation is not really an emergency.
6. Saving
Once you get even that high interest rates, start saving periodically eg monthly, weekly short-term goal for any medium you want, for example, a holiday abroad, renovate house.
7. Protect your assets
Protect self and your assets. Make sure you and your family have a sufficient amount of protection insurance for critical illness, outpatient, accident and death.
Some things that can be made in taking insurance tips:
-What is your main source of income
-Determine your financial goals
-Consider using a service condition occurs when the lawyer outside the initial plan
8. Pension plan
Create a financial plan for your retirement. Are you included in the pension fund, DPLK by the company, whether you get a subsidy from the company or deducted from your regular income? Apart from the condition if you still have any debt, consider the wise to pick it up.
9. Investment
Investment not only for people who are already well-established financially. Invested since early opportunities to open your growing asset in the long-term home is managed correctly. Ask tax consultant ways to reduce the tax to be paid out of investment results.
10. Duplicate your knowledge
The more often you practice your financial knowledge to other people, the more easily implemented in your daily life.
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