By creating a family budget, then you can plan in advance your cash flow before finally your income and expenses realized. Family budget can also prevent your run out of money in the middle of the month.
Here's how to create a family budget wisely.
Basically, the budget can be divided into two, namely Income and Expenditure.
Income is the amount of money you earn each month (if your monthly income) both of employment, private business, or from investments. As for expenditure, divided into four (not including taxes, because when we get income, usually it has been cut income taxes):
1. Payment of Debt. You may have a debt to another party you must pay every month.
This debt should be your priority to ensure that you will pay the debt regularly.
2. Regular savings. You do not always have sufficient funds to achieve financial goals that you have set. Maybe you need to prepare before these funds so that financial goals are you specify can be achieved. If so, saving regularly is a must. The amount you save would vary, depending on how much money will you need later and how well the investment results can be found each month. To determine how many you save by using the results of certain investments, you can seek advice from a Financial Planner.
3. Insurance premiums. This is the amount of duty you must pay to the insurance company to obtain insurance coverage. If you pay the annual insurance premium, then write how many that you pay each month on average.
4. Cost of Living. Cost of living is the cost you should spend to stay alive. These costs cover your living expenses as a human, your family life, and living your household, and other costs that are directly or indirectly are associated with it. Cost of Living usual divided into several components:
- Shopping families
- Your Personal Shopping
- Personal Shopping your spouse
- Cost of transportation
- Cost of treatment of children
- Cost of Telephone, Electricity, Water
- Domestic Salary
- Clothing and accessories
- Entertainment, toys
When you're a big boy, your living cost component may be increased by:
- Child allowance
- Education Extra (tutoring, course-Course)
Why the Cost of Living in the priority placed last?
This way is taken to ensure the achievement of your Financial Goals. So far most people are wrong put priority on saving money on a regular basis. The usual way in saving people during this is the first by spending their income, just the rest (if any) deposit to achieve their financial goals.
This method has a weakness: if the rest do not exist, then there is not to save.
This weakness can be overcome by way of saving first, and after that the money used for cost of living. That is why the components of living expenses put the very last place.
Here's how to create a family budget wisely.
Basically, the budget can be divided into two, namely Income and Expenditure.
Income is the amount of money you earn each month (if your monthly income) both of employment, private business, or from investments. As for expenditure, divided into four (not including taxes, because when we get income, usually it has been cut income taxes):
1. Payment of Debt. You may have a debt to another party you must pay every month.
This debt should be your priority to ensure that you will pay the debt regularly.
2. Regular savings. You do not always have sufficient funds to achieve financial goals that you have set. Maybe you need to prepare before these funds so that financial goals are you specify can be achieved. If so, saving regularly is a must. The amount you save would vary, depending on how much money will you need later and how well the investment results can be found each month. To determine how many you save by using the results of certain investments, you can seek advice from a Financial Planner.
3. Insurance premiums. This is the amount of duty you must pay to the insurance company to obtain insurance coverage. If you pay the annual insurance premium, then write how many that you pay each month on average.
4. Cost of Living. Cost of living is the cost you should spend to stay alive. These costs cover your living expenses as a human, your family life, and living your household, and other costs that are directly or indirectly are associated with it. Cost of Living usual divided into several components:
- Shopping families
- Your Personal Shopping
- Personal Shopping your spouse
- Cost of transportation
- Cost of treatment of children
- Cost of Telephone, Electricity, Water
- Domestic Salary
- Clothing and accessories
- Entertainment, toys
When you're a big boy, your living cost component may be increased by:
- Child allowance
- Education Extra (tutoring, course-Course)
Why the Cost of Living in the priority placed last?
This way is taken to ensure the achievement of your Financial Goals. So far most people are wrong put priority on saving money on a regular basis. The usual way in saving people during this is the first by spending their income, just the rest (if any) deposit to achieve their financial goals.
This method has a weakness: if the rest do not exist, then there is not to save.
This weakness can be overcome by way of saving first, and after that the money used for cost of living. That is why the components of living expenses put the very last place.
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