Tips Overcome Financial Problems In The Household

Financial problems are one of the biggest reasons that lead to quarrels in the household. Not infrequently marriage fell apart because of financial problems. Financial problems are also not easy to explain. But do not worry, we have some tips to overcome the financial problems in the household, the following.

1. Open
The first thing that must be done to avoid finance is to be open. Both couples alike looking for money or just one who is making money, there should be no hidden spending problem. Always discuss all decisions related to finance, such as expenses, income, savings, and other.

2. Make a deal
Before spending your money, it is better to make the rules agreed upon. Suppose determine what percentage should be saved, how the budget is used to pay bills, and more.

3. Determine the long-term goals
In financial terms, you must also be careful and wise in looking at the future. Decide on a few things in the future that require a lot of money. Suppose the children's education, holidays, and more. This will help you save money and not overwhelmed when the time comes.

4. Saving
You do not have to save a lot in the bank, but provide little savings at home that you can fill it every week. It may sound trivial, but the money collected can be very handy when needed.

5. Savings together
Actually not a problem you will use shared or private savings. But before you decide, you should be alert to the risks and effects. You should also discuss with your partner this problem, because it is well adapted to the nature of the couple.

6. Keep track of expenses
Prior to divide the money, you should begin to keep track of your daily expenses. This is very useful if done since the beginning of the wedding, as you can guess how many household expenses each month. It also helps you find out if you are too extravagant or thrifty.

7. Make a realistic budget
Make sure your budget is realistic and can be done well. Do not create a budget that is too little to be very thrifty and you can not enjoy life. Do not also set a budget that is too loose to make your life wasteful.

8. Set aside "fun money"
Save some money for entertainment or fun. Not a lot that is not too extravagant. You can use the money to have dinner together, watch a movie, or buy something for the family. Let's just say this money is a reward for the hard work you and your partner.

9. Financial Meeting
Perform a meeting or a meeting with the couple to discuss financial issues. This can be done every week or month. Although the name of the meeting, but do it with a happy atmosphere. and do not be too serious.

10. Working together to manage finances
Make sure you and your partner work together to manage finances. Do not be too dominant or passive even if it relates to expenditure or financial arrangements. Might initially be awkward, but if you are going to get accustomed to the benefits of managing money as a team with your partner.

Well, do not be afraid to face financial problems in the household. Ten tricks above can help you overcome it.

But If AYou experiencing difficulties that are difficult for you to solve, then it is time you consult me, to get the solution of your financial problems.

No Need To Worry Anymore About Money

Concerns can come from anywhere. Health, family, career, money also. Although this time you are likely to be stable condition, at work and expenditure, nonetheless inevitable concerns about money. Increasingly become a concern when someone loses a job or ill.

Most people then believe, to have more money, he is calmer and feel safe. "Sometimes people view money as a trespass on the lack of love, attention, or as a measure of self-esteem, also showed his power."

So as not to worry about money.

budget control
Discipline manage money is important to address concerns about money. Make sure the regular budget and expenditures within the budget that has been made. To be spending well under control, make a note of how much money has been spent. Also notice how the amount of money saved. The financial records will help remind you to use the discipline of money. If you fail to try this way independently, there is no harm in asking for help profesioal, by contacting a financial planner. These professionals will help you find the pattern of financial planning, for then you apply independently.

Redefine about money
Try to make sense for your money back. Money becomes a symbol of what to you? Does money represents stability, success, pride, or more to morality. Finding the meaning of money will help you better appreciate its value, and ease concerns about money.

No need to compare the situation.
Avoid comparing your financial situation with others. Never compare the happiness of others who have excess money, with your condition.

Let Saving Money

Saving can be done by anyone, even the smallest child. Although looks easy but for some people practice hard yes, let alone the cost of living is very expensive. But it can really be done as long as we have a strong determination to save.

Build the habit of saving can be started with a number of these ways:

1. The purpose of saving
Decide what is your purpose in saving. That way you have a specific target audience who are motivated to save money every month. According to financial planners Ligwina Poerwo-Hananto, often people who struggle to consistently save money every month because they do not have a clear target. According to him, even targets should be made as attractive as possible to motivate you. For example, you want to have a car targeting, overseas family holiday, whatever you prefer. By doing so, you are always excited and committed to continue saving.

2. The allocation of savings in the beginning of the month
You need to change behavior, saving is not at the end of the month by using the remaining funds. Saving money is not set aside money from work for a month, but saving money is allocated from earnings at the beginning of the month. That is, you need to take some money with the composition of 10-30 percent per month each time it receives a salary. This behavior is the precaution of running out of funds for savings.

3. Make a special savings account
Distinguish income account and a savings account each month for the financial control. If you think a hassle when it comes to divide the money in a number of different accounts, you can use the envelope system. That is, separate zoned money to be saved in a separate envelope each month. If the envelope into your system, make sure you run discipline. Avoid the use of money outside the plan because it is very likely the money in the envelope you use for other needs that are not according to plan. Discipline and commitment of the main requirements to use the envelope system. When choosing a bank as a place to save, when opening a savings account should identify requirements. Choose a bank which facilitates and your most profitable.

4. The greater the income, the greater the savings portion
Whatever your income, large or small, compulsory saving habits run. Although income is below average, there is no reason to postpone the habit of saving. Set only the portion of his savings, take the lowest suggested composition of financial planners, which is 10 percent. So when you have an income of no reason not to save. With increasing your income, increase the allocation of funds to save up to 30 percent of the monthly salary. If this is hard to do then Increase your income. For example, revenue increased to Rp 1 million to Rp 1.1 million. With you still save USD 100 thousand, then you are no longer spending Rp 900 thousand, but returned to Rp 1 million.

So there is no excuse for not saving. Let's save for a better future.