Colleagues, do you find it difficult to arrange a monthly salary? The difficulty in managing monthly salaries is not only experienced by a few people. Many modern society today has difficulty managing salary every month. Greater expenditure and needs than income make you often run out of money before mid-month. If this happens continuously, you will always feel less and certainly cannot save for future needs. So, starting today, try some of the tips below so you can manage your salary wisely. Curious? Come on, see the tips.
1. Arrange a monthly financial plan
The first important thing for you to do is arrange a personal financial plan. Start making a list of monthly expenses for needs into two parts, namely primary and tertiary needs. Primary needs, for example, such as food, work costs, electricity bills, home or vehicle installments, and others. Whereas tertiary needs, for example, are for shopping, cinema, traveling, to hangout budgets with friends or colleagues. Don’t forget to provide emergency funds, such as the cost of sickness or service of a vehicle.
2. Directly set aside savings
If you are accustomed to setting aside the remaining salary for savings, this time try to set aside a … Read More
We are not accustomed to discipline in managing finances and cannot distinguish between lust and need. But calm down, it’s never too late. If you really want to improve your financial condition, now is the time.
Now, some of the habits of managing this personal finance must be applied so that the salary doesn’t just pass through. Check it out!
1. Track income and expenses
Often we don’t care about our expenses. Where have we gone for a month’s salary? Tracking income and expenses can be done by making simple bookkeeping. If you don’t want to be bothered, you can use the financial management application on your smartphone.
2. Giving angpau
Relatives or friends’ wedding invitations can come in a row in a month. Donating money is legitimate, but it must be remembered: do not let the pocket break because of the frequency of donations.
3. Check the bill
Accustomed to checking bills is important. Shopping receipts to the most important credit card bills. This is important so that we don’t find stealth costs there.
4. Take advantage of the internet
It’s not the time to queue at the bank just for the transfer. Take advantage of e-banking.
Especially if … Read More