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.

Freedom From Debt

Having a debt is a constant headache and can lead to acute stress. It is difficult to 100% debt free. There are a few tips to be free of debt.

1. Realize that you owe.

Whatever your debt besat, realize that you have a debt. This is the first step to freedom from his net. Because when it is realized, you will be motivated to seek a way out. Conversely, if you are indifferent, and was not owed, usually you will be lazy to find a solution.

2. Calculate Debt.

When it comes the awareness that, please sit down, make a note of how the debt entirely. Write down who you owe, including small debts that you are not aware of, such as debt to friends and parents. Do not forget to calculate interest. See also the period of repayment. Prioritize who need a quick settlement, for example, credit card debt and Loan. With this record, will be reflected in the overall obligation to pay your debt entirely.

3. Debt Negotiation.
In some of the debtor (creditor), you can attempt to negotiate for ease of payment. For example, apply for a reduction in lending rates to the bank or private lender. Or transfer the debt to the bank interest rates low. Today many banks that offer balance transfer program with zero percent interest in a few months. You can also ask for waivers on bank lending. Tell me honestly just your financial situation are difficult. Usually there will be a payment alternative that suits your financial condition. Be careful not to get stuck on a floating interest rate or not fixed, which at times can change. If you go down no problem, but if the interest rises, you will entangled installment will continue to grow.

4. Proportion of Income.
Create a proportion of your income per month. This will allow for the payment of debts. That way you know clearly where your money flows. Ideally, the mortgage debt should not exceed 30 percent of your income. But in a pinch, can be enlarged again. After all, is temporary. Once financial conditions have improved, this post could be diverted to other expenses, or saved.

5. Immediate Pay.
When you've got a debt scheme, and know the ability to pay monthly, pay promptly on time. Do not be postponed again because it will increase the interest. Prioritize the repayment of the debt are high value and have a major impact as a foreclosure home and car. When you have more than one credit card, prioritize large amounts or high-interest.

6. Search for Extra Income.
If it is a debt that must be paid every month is very large, can not be addressed by current income, you inevitably have to look for additional income. Could seek a second job, or working overtime. If you have a number of items worth selling, you should sell it through online or garage sale.

7. Hold Lust Shopping.
To calculate how much of your ability to pay the debt every month, would have known how spending a month. Ideally, heading for a big plus in order to pay the debt repayment can be fast. In order for this post can be large, then the expenditure is minimized. This means that you must hold the spending appetite for a while, until your debt is paid off.

8. Lowering the Standard of Living.
If the above steps still not relieve you of the debt, immediately lower your standard of living. For example, searching for a cheaper rental home, move into a cheaper purchase price, or if it needs to be moved to an old folks home. replace the car with a cheaper, in terms of fuel or price. Reduce also eat at expensive restaurants or cafes. If you need to bring lunches to the office.

9. Stop Owe.
If you do not meet the ability to take any loan, then do not ever dare owe. Moreover, the credit card submitted. Some people who live without a credit card pretending to be calm. If you want to buy something better to wait until there is enough money. It takes time, but quieter life if not pursued debt.