Our financial problems lies in one fact that is not enough income we earn. And the right answer to fix it is make it enough. Most of us would say looking for an additional income is a way out. I can not blame such a presumption. But whether the extra income is always a solution? Though admittedly earning money from outside is not easy. Even sometimes sacrifices must be made not in balance with the results obtained. Not to mention not everyone can do it. Therefore, before deciding to try to seek additional income from outside, perhaps improvement can be done in advance. Cause is a futile if we increase the income but no change in the pattern of use. Because you can be assured financial problems are not depends on how much we get but how to use it.
Evaluation of the use of Funds
The first step to stabilize the finances is to make an evaluation of our finances. Try to do the recording any expenditure this month that the family has done to meet all needs. A family had done consulting to manage the monthly expenses that he is always on top of the set targets. After an evaluation jointly, it is known that the cost of family expenditure always exceeded the budget each month. This happens because at the time of shopping, the family always did it together and always spend more money for a breakfast event that was not previously budgeted. The problem is these funds are always taken from the budget so that spending money always exceeds the target.
Therefore, from now separate the main expenditure with the expenditure that following. Thus you will know how large the family of real expenditure per month.
Create a spending priority
Remove that must be removed, and hold to that yet needed. Sometimes we feel have been trying to remove only the necessary, and has left the desired. But when asked what criteria need and want? how to distinguish? may not all be answered with certainty. Need is the expenditure that must be done, and wants are expenditures that can still be postponed. So with this simple definition we should be able to make it clear what the priorities in family expenditure. Try to ask yourself when spending money.
"Is this expenditure can be postponed? what's the impact if delayed? "
if the answer is not delayed or if postponed the negative effects will result in higher, then it is a necessity. But when the question was answered in yourself that even delayed is not a problem, or if delayed no negative effects are too large, then it is a desire. Currently, communication is a necessity. And buying credit is required. If the postponement buy credits would be fatal to you and your family for example would disrupt the family business, then buy credits is required. but if the delay buy credits only result you could not contact the peer social gathering or colleagues you hung out, then it is a desire.
Damping undetectable spending
One of the failures in the family finances is the occurrence of waste. A family never consulted about it. Expenditure has been budgeted for all, and in black and white there are excess funds detected. but why at the end of the month the money always runs out even less? Although I knew that we could have track it one by one, but I think it would be boring. So why do not we change the pattern. I suggested to the family was to add one thing they've never done before, namely to save their surplus funds. Every beginning of the month, after the count and make a budget, these families usually leave their surplus funds in the savings as a fund unexpected. So from now on after consultation, they have to put excess funds in the form of productive goods, in this case, the family agreed to buy gold coins. What happened? after the consultation session, each month the family can always buy gold coins and always be on the increase in number each month. How to fund unexpected? I suggest using a credit card for this. But of course with the consequences must be paid after the bill. Funds? from selling gold. But for some reason until now had never used the card.
Sometimes consciously or not, if we're leaving money on something unexpected, the unexpected things can happen. Therefore do not expect to happen, separate the excess funds in advance, so is not to be unexpected expenses, and not detectable.
Finish from the outside
Above we have discussed how we must act from within to face the possibility of rising prices. Now it's time to get it done from outside. Because of family financial basically depends on two aspects that affect how a person is setting up and manage their money and from the outside that is how someone organize and manage all the temptations and the bid that could affect the overall family finances.
Avoiding New Debt
If not forced, avoid to form a new debt especially if the debt is consumer debt. Remember your current spending will continue to rise, and indeed seems additional outside funding is one way that can be applied. But debt is not additional funding but the additional obligation that inevitably we must complete. Especially with the rising prices, will possibly increase the loan rate also becomes your obligation.
Discounts are not always the answer
When it comes to discounts, usually we assume it with rescuers. Imagine when all the prices are high, there are those who want a low price.
But if I may give suggestions on releasing funds, the most important thing is not how much you spend, but for what you are spending. Rather than spend a little money for items not needed or even stuff that just makes you more consumptive; maybe better to buy goods at a price slightly more expensive but we really need.
Avoiding Investment Speculation
One more thing to be avoided is a speculative investment. With the increasingly difficult economic circumstances, the more people who offer alternative solutions should be one of them from the side of investment. At that moments, usually the type of investment that provides maximum results are considered as a way out. But if we do not understand and master it, do not ever go in it.
Create protection
One way to make savings and help finance is to move the costs that may occur to other parties. And it can be done by insurers. When we first used to solve all problems through private money, maybe it's time you gave a big problem to the insurance company. Health costs, vehicle repair and protection of the home, as a beginning step. Remember that with rising fuel costs then automatically other costs also rose, including health, improvement and development.
Trying to increase revenue
Finally, there is no way other than trying to supplement income. Start trying to multiply the potential of self, recognize the environmental conditions and always looking for alternatives is one way to earn extra income. No need to be big, but make it into a routine. So among all the costs go up before, there is little additional income on our investment.
Evaluation of the use of Funds
The first step to stabilize the finances is to make an evaluation of our finances. Try to do the recording any expenditure this month that the family has done to meet all needs. A family had done consulting to manage the monthly expenses that he is always on top of the set targets. After an evaluation jointly, it is known that the cost of family expenditure always exceeded the budget each month. This happens because at the time of shopping, the family always did it together and always spend more money for a breakfast event that was not previously budgeted. The problem is these funds are always taken from the budget so that spending money always exceeds the target.
Therefore, from now separate the main expenditure with the expenditure that following. Thus you will know how large the family of real expenditure per month.
Create a spending priority
Remove that must be removed, and hold to that yet needed. Sometimes we feel have been trying to remove only the necessary, and has left the desired. But when asked what criteria need and want? how to distinguish? may not all be answered with certainty. Need is the expenditure that must be done, and wants are expenditures that can still be postponed. So with this simple definition we should be able to make it clear what the priorities in family expenditure. Try to ask yourself when spending money.
"Is this expenditure can be postponed? what's the impact if delayed? "
if the answer is not delayed or if postponed the negative effects will result in higher, then it is a necessity. But when the question was answered in yourself that even delayed is not a problem, or if delayed no negative effects are too large, then it is a desire. Currently, communication is a necessity. And buying credit is required. If the postponement buy credits would be fatal to you and your family for example would disrupt the family business, then buy credits is required. but if the delay buy credits only result you could not contact the peer social gathering or colleagues you hung out, then it is a desire.
Damping undetectable spending
One of the failures in the family finances is the occurrence of waste. A family never consulted about it. Expenditure has been budgeted for all, and in black and white there are excess funds detected. but why at the end of the month the money always runs out even less? Although I knew that we could have track it one by one, but I think it would be boring. So why do not we change the pattern. I suggested to the family was to add one thing they've never done before, namely to save their surplus funds. Every beginning of the month, after the count and make a budget, these families usually leave their surplus funds in the savings as a fund unexpected. So from now on after consultation, they have to put excess funds in the form of productive goods, in this case, the family agreed to buy gold coins. What happened? after the consultation session, each month the family can always buy gold coins and always be on the increase in number each month. How to fund unexpected? I suggest using a credit card for this. But of course with the consequences must be paid after the bill. Funds? from selling gold. But for some reason until now had never used the card.
Sometimes consciously or not, if we're leaving money on something unexpected, the unexpected things can happen. Therefore do not expect to happen, separate the excess funds in advance, so is not to be unexpected expenses, and not detectable.
Finish from the outside
Above we have discussed how we must act from within to face the possibility of rising prices. Now it's time to get it done from outside. Because of family financial basically depends on two aspects that affect how a person is setting up and manage their money and from the outside that is how someone organize and manage all the temptations and the bid that could affect the overall family finances.
Avoiding New Debt
If not forced, avoid to form a new debt especially if the debt is consumer debt. Remember your current spending will continue to rise, and indeed seems additional outside funding is one way that can be applied. But debt is not additional funding but the additional obligation that inevitably we must complete. Especially with the rising prices, will possibly increase the loan rate also becomes your obligation.
Discounts are not always the answer
When it comes to discounts, usually we assume it with rescuers. Imagine when all the prices are high, there are those who want a low price.
But if I may give suggestions on releasing funds, the most important thing is not how much you spend, but for what you are spending. Rather than spend a little money for items not needed or even stuff that just makes you more consumptive; maybe better to buy goods at a price slightly more expensive but we really need.
Avoiding Investment Speculation
One more thing to be avoided is a speculative investment. With the increasingly difficult economic circumstances, the more people who offer alternative solutions should be one of them from the side of investment. At that moments, usually the type of investment that provides maximum results are considered as a way out. But if we do not understand and master it, do not ever go in it.
Create protection
One way to make savings and help finance is to move the costs that may occur to other parties. And it can be done by insurers. When we first used to solve all problems through private money, maybe it's time you gave a big problem to the insurance company. Health costs, vehicle repair and protection of the home, as a beginning step. Remember that with rising fuel costs then automatically other costs also rose, including health, improvement and development.
Trying to increase revenue
Finally, there is no way other than trying to supplement income. Start trying to multiply the potential of self, recognize the environmental conditions and always looking for alternatives is one way to earn extra income. No need to be big, but make it into a routine. So among all the costs go up before, there is little additional income on our investment.
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