Family Financial Perspective

In a family, do the husband and wife work? If indeed must, the economy will become better family? Or even the same?

There is a Chinese proverb that says, "big snake, also liangnya large", meaning "large income, the greater the expenditure." (The Best of Chinese Saying, Leman).
This must be avoided if you want to live a successful (financially). Living like this is not successful depending on income, but the larger the amount you can be seen (saved).

Now, not a few families who face economic problems quite remarkable. Start from the credit card billing amount is not even a little fear the cost of education to children in the future.

Many families, especially those living diperkotaan, are also on the amount of demand in the era of all-consumptive this. They often can not avoid the encouragement frugal lifestyle does not spread that many mass media. So for that can not refrain, can the current fall in bankruptcy and family.

In overcoming these problems, there is a thinking to maximize the search business income families. The wife for some people considered to be managing the household and children, used to cover the search for subsistence needs of families.

However, when it is not thought to mature, efforts will be futile. Even more detrimental. Instead achieve economic success of the family, even the household and children to be slipshod.

Lifestyle consumptive
Indiscipline run economic policy and family life spendthrift culture is the base of the financial problems of families. Various causes. For example, It is vital It is vital to discounts at various shopping centers, ketidakberdayaan in holding the desire to shop, or through lifestyle while using a credit card.

Many people are trapped in the ease business transactions with credit scheme. How can the payment dicicil in some periods, to make people tempted. Create a tersihir way they are, often Logically stagnant. Take the goods first, bayarnya select the latter.

How to think like that are dangerous and tend to support the lifestyle is not cost-efficient. Any credit facility, which symbolized a trap to make "mountains" we increasingly high debt. Can even make a family's financial balance sheet is not balanced. Because of higher spending should cover the debt.

In addition to avoiding consumptive lifestyle, there are some alternative thoughts that can be applied to a family become more healthy. First, we must know how big clean-owned property, including the amount of debt that must be covered.

From the amount of net wealth, we can set new goals and achievements that will lead us in a certain period of time. Even from there, we can save and memersiapkan funds for the old days later.

About savings, there are also families who do not have them. They think that with their income, may not be able to save. With a variety of reasons, they affect the self that can not save.

Actually, if you want to follow the formula (income = 20% savings + 80% expenditure), we will have more money in savings. Essentially, first seen to save money, new thinking shopping needs of families with the allocation of funds after the cut savings. Do it with discipline.

Second, in a family, we should also be able to design the family budget. The amount of expenditure and opinions must be calculated carefully. Each step that is set in the budget, will count on the continued spending in the future.

For example, we separate the income in the envelope-envelope for each family expenditure items. Thus, the family budget teralokasi correctly.

Third, if possible, not a start we invested wealth. There are many ways to invest is now offered. But, of course, we also must have a plan to cook the family cash flow is not interrupted.

Fourth, is the protection of families. Insurance experts, according to some financial planners are required to make their results. See the level of needs, each person will never know whether or not need insurance. Obviously, with the insurance, it means we have to protect the family dependents.

Make a family financial planning that is not good until there. The situation, conditions, and the influence of external factors can affect family planning family financial calculations that have been thought out. So the plan is flexible to follow recommended financial fluctuations family.

In fact, the plan can only stay a plan if God willed other. Indeed, not only once we make a family financial planning. There must be a change that we are not aware and adjustments in it.