Confused to our monthly salery, thats so fast finish with no balanced,or even at the middle month we shutt up has no meney'''maybe we can said everything has to expensive so our salery not enough to pay for monthly billing. Eittsss'''lets we correctly our monthly out payment!! maybe we missing it to manage our money,or our life style buying is too wasting, but we had recieving our salary far of enough.
to manage our ability thats not so much risk,here some tips to manage our balance:
Saving first,dont wait the residue
manyone will going to saving they money when the salery mostly finish,this a wrong strategic,start now to take some and saving it at your account,you can open bank account without ATM or we can join to the planning accout at every bank has.
Budgeting is Must
every first of month you must make it budgeting about the stuff needed or billing need to pay,to control your money out use,separate any fix paying and loan or even pay in installment,for the insurance and also for saving must on the portion.
Diciplin on money management
if you already manage your money,you must commited,if the quota for party has finish dont you push to take from another portion that needed.
Shooping by capable
shooping by money you have this month,not because how much you got banus for next month,remember dont waste your money for some thing un important and wish for another extra money.
Limited a bout your credit card
dont you keep over than two credit card in your wallet if you cant control to using it,wise to using your credit card so that you will easly to charge.paid or discharge your credit card or another loans at once when you got your salery.
Dont trifling about coins
you might be accept return money from shopping center or restaurant,with small money or even coins,try to collect it in different wallet,this kind small money (coins) you might be need to use to pay parking area or even by snack,or even to buy small thing that urgently need.
Make resave found
resave found its really usefull to avoid suddenly need include when need to come of friends party,to buy some gift or even to change tire tread.
Investasi
investment your salery by following insurance,join on reksadana or deposit your money that can widrawel any time by following the agreement,by this statement same like you doing diciplin saving.
Ok!! now we know how to manage our income,lets practice''then Good Luck!!
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