1. RECORDS IN THE MONTH YOUR ORDINARY
Actually it is very easy to save, for your production is smaller than income. Prior to that, you need to know how your habits of spending each month. Try to record the production of daily, weekly and monthly. Then specify which needs to be reduced ..

2. Set aside MONEY FOR YOUR PERSONAL
The key to success is to set aside money to save early, before the payment of other things like paying electricity, water and installment. Determine the long-term goals and regularly tabunglah your money in a savings or investment.
Because if you get used to the new shop and after trying to save the remaining money at the end of the month, then generally the rest of this money in your account is not much.

3. Please specify
If you get a monthly salary shall not be problematic to determine a date for the exclusion of funds, but for those who receive wages / salaries every two weeks, then choose one of two dates to exclude funds that will be saved. If you are entrepreneur, determine a date in the middle of the month when you are not paying the bills.

4. Pay Your Debt
Immediately pay off debt is one of the best ways to accelerate you in saving. This is because the higher interest loan from the interest savings.

5. PRECAUTIONS YOU CONTINUE TO DISCIPLINE
Once the debt paid off, then set aside funds each month Keep the savings, or even better yet if you have automatic withdrawal to be put into investments.

6. MOTIVATED YOU TO ACHIEVE THE RESULT OF THE GREAT
Determine what you want and know how the amount of funds needed, then determine how realistic such as saving regularly for six months.

Place a picture that shows what you dreamed of working desk, room or purse so you always remember your purpose for saving. So every time a temptation discount or closeout clothes at the mall, you are not tempted.

7. OPEN ACCOUNT CONTACT that you can not
To purchase a larger amount, menabunglah slow to take advantage of a deposit. These accounts generally have higher interest rate than regular savings, and long time period will have been determined. That way you can not touch it when there is the temptation to spend, but still able to be cashed when there's an emergency.

8. Kitty USE OR TOPLES FOR YOUR coins
Money in the form of coins are often considered not important, but if grouped according to the adage "a little bit longer time to be a hill" At a time when toples or full savings can add the amount of your savings or can be used for other needs.

9. BONUS & SHOCK OTHER KANTONGI
Each time you receive a bonus or gift in cash, directly enter into a savings account. The money is not part of your regular income, so do not use for your daily needs and save. If you have debt, use these funds to pay off your debt.

10. Familiarize scrimp
There are many ways to prudently without having to suffer. Bring food and water from home, use public transport, stop smoking, vacationing at the moment which is not compact (low season), take advantage of discounts in order to acquire the goods that you "need" more cheaply, and much more.

Most young kids do not want denger financial advice about the wedding because it was considered taboo or offended so afraid their partner will be ignored and hope with each other after marriage musyahwarah to resolve the problem. If not? Easy divorce ... .. right? Continued wrote so ....

Here are some suggestions who should be worth doing:

1) Create separate accounts for personal masing2 and one joint account for household:

Marriage does not mean automatic purses also become one? Masing2 should still have a personal account and one account household where his signature can be made one and not all together. This is similar to open the PT joint. Revenue wife or husband go first into his personal account and later negotiate how the household and how that should be incorporated into the joint account. Masing2 respecting personal finances and choose their partners to not intervene wife or husband how important income is a joint account must be able to provide for the family reasonably.

For those who are businessmen or the rich kid's good to make a premarital agreement that governs the separation of property after marriage. This also applies to debt. So in the event of unwanted things let their partners do not automatically go bankrupt then the other spouse will be burdened. But many are offended mentang2 thought poor or rich lost so made this agreement. Emphasize more to the joint protection and there is no clause that says that it is prohibited to provide for their partner.

With a premarital agreement is if you want to sell assets such as land, houses or other it does not need approval from the partner. Without pre-marriage then the husband or wife must agree on the notary's signature, although he did not buy. Usually occurs "blackmail" Kalao later disagreed signature if not fulfilled certain wishes. Too late reply had reached such a situation.

In the premarital agreement can already set juag in terms of how the divorce property settlement and children who participated. If it does not fit will still be replaced after the marriage covenant.


2) Make a note of the financial expenditure of households:

It pays to use clarity of household funds. So for example, from buying furniture to other needs that have to do with the household can diambail from a joint account funds. Well at the time of selfishness masing2 emerged as the husband would like to buy a bike that cost 30 million but he used from his own brand and also has its obligations to deposit into the joint account is not the problem then? Also opposite the wife buy brand handbags cost 400 millions, but because she's rich and seneng Quote nookie goods and also do not take away from the joint account, so please aja? Her own money right?


3) Discuss about finances together on a regular basis:

This discussion serves to discuss finances with a berkaintan with joint accounts. So consider bener2 such joint enterprise where we want to go? What future plans? Do not pikirin how much money there is still a partner in a personal wallet masing2? Negotiating what reply can be added from a couple to achieve the goal? from here will be found out whether the couple also have other needs more than this household? not only cheating but sometimes there's still a need to provide for parents and saudara2nya masing2 ....



4) Back up at least 10% of joint income:

Sometimes we used to say there was no money because emang not been saving? His mind if ya need to dab the left-right aja pake kumaha engkeh stance right? Where I know? etc.? This allowance fund most can not be used for emergency purposes, if not back to using that invest pension needs. So later gulipat pat pat on the increase rather than using that money is not important. It's still in the context of a joint account well .... Personally still want to buy your own selfishness that there are different again.

Savings goal is also to improve their lifestyle. Just a tenement was not there level 50 M2 tau2nya er could buy a house 300m2 with 2 levels. This means that there is progress right? or otherwise fit again most definitely not need a big budget money increases in value and can cover unexpected expenses.

Private Cave was saranin buy gold bars for long-term investment. Not going to go down deh. Buy their best and most not iklhasin next 10 years the fund was not needed. But remember, gold jewelry is not real well ... .. ... Purchase of precious metals at Antam. Do not be tempted to lay low prices because people do not understand whether or not the original gold if want to buy from parties not clear. Mahalan little papa not important who the original and guaranteed.



5) Policies about debt:

Create a plan and can also run when the debt is paid off? Apply from the beginning that personal debt after marriage remains a personal debt is not dibebanin to the partner. Moreover, families have to bear the debt their partner? most widely in the Indo cave clay nih .... if dianggep marriage marriage same family also why so many children looking for rich people only.

Problem debt is a major and well adapted to the lifestyle. So do not be put on if there was no money emang pesta2 or do not need to buy a luxury car.



6) Try to live without debt:

Sometimes we are lazy to wait to have new money can buy LEDs, BB, car, motorcycle or the other but would owe. Whose name when purchasing our debt more expensive. Try to count if want to buy motor credit dibading cash? What is the difference?


7) Do not keep secret about the huge financial:

Do mentang2 already have pre-marital and separate accounts uh taunya not personally take out debt gila2an if only because not dare say to a partner not afford to pay into a joint account so nombokin own. This is even so the boomerang instead of a nice even be disbanded real marriage.

If there is what it should say! It already together?

Also the opposite. Fitting can be real big project whether the wife or husband well if emang'm not there already divided all his personal account and joint account agreement? aja deposit tetep not rise but the couples who have more money because it tetep unencumbered already married and have more control financially.


So while this first if some want to add the well please.

This is not a theory and has been running and working properly. Cave himself something like this concept.

May be useful