5 Ways to Set a Salary for 30 Days

Do you feel lacking with a monthly salary? Here’s a good way to manage and manage good financial management so that your salary is enough for a month.
Sometimes we fall asleep, when the date of payment arrives. Charges must be paid on time, but the desire to shop is often unbearable. In the end, it’s not midnight, we’ve run out of money. The following are tips & tricks to set salary for 30 days.


1. Make a budget
Every month you must plan your budget when receiving a salary. It would be better if you review expenses for the past three months. In this way we can find out, your money is used for anything.
Record routine monthly expenses including hobbies, such as eating out, fashion, or other hobbies. When you know what type of shopper you are, you will easily make savings. Then start making a budget to make it easier to manage your salary. The success of this step lies in the expenditure plan that is structured realistically and describes your actual lifestyle.


2. Have two bank accounts
You must have two different bank accounts. The first account is used for all transactions, such as paying bills, paying insurance, housing installments, etc. While the second, it is used to save money.
For the second, choose a bank that applies low administrative costs and a limited ATM machine network. You can also store an ATM card in a place that is not easy to see so that this card is rarely used.


3. Pay off debts and installments
Immediately pay off all the accumulated bills after receiving a salary so that later you will more easily manage your salary. This helps to calculate the budget for the long term. If, the debt cannot be repaid in a short time, analyze it, and calculate how many times the payment must be paid until the debt is paid off. If you want to repay something, it should be adjusted to 30 percent of your income or salary. From the calculation, think again before buying goods with debt.


4. Note!
The next step is to make a diary containing records of expenses and income for a month. You can record goods or services purchased, the amount, nominal transaction, time of purchase, and place. It needs perseverance, but this helps you to put the brakes on spending.


5. Compare Expenditures with Budget
The final step to set a salary for 30 days is to compare your budget plan with your expenditure diary. If the budget plan is different from reality, then you need to revise the budget. Double check that you know what your biggest shopping needs are.
To find out the calculation of your expenses for a month and how much money you can set aside each month to save.
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5 Simple Ways to Manage Your Small Family Finance

Living a new life with your husband or wife is the first step to understanding and dealing with everything that happens in your small family, including financial problems. This must be carefully considered so as not to slip later on and ultimately make your family’s finances undetectable.

Human nature is never satisfied with what you have. To deal with this, of course it takes a policy of yourself to differentiate the desires and needs so that your expenses are well controlled.

For that, consider the following tips that might be your reference in managing family finances.

1. Make financial planning
Financial planning is the main thing that must be done so that your family expenses are not more than the target set. In addition, with financial planning, you can also find out how much money you have and how to allocate it appropriately.

However, the allocation of funds must certainly be in accordance with the income you get each month. The first step, you should set aside the funds that come out every month, such as installments, transportation, logistics, and others.

2. Save together
After your financial planning is complete, don’t forget to set aside funds to save. However, saving is very important because by having savings you will feel calmer and safer.

Also plan your and wife’s savings every month. That way, you will always have spare money when you need more funds.

3. Investment
This is also important but is often forgotten by some people. Investment is the answer for those of you who want savings in the future. However, with the many investment products available on the market, it is better to choose an investment product that suits you. Do not let the investment actually increase your burden.

Insurance for example, which is an investment that can guarantee you in the future if things happen that are at high risk. How to manage finances is one form of anticipation for your family to stay safe and secure.

4. Set a target
Targets are an ideal that you will achieve in the future. For example, you have a target to have an apartment within the next 5 years, in order to achieve that you must do something, like saving money and so on.

Target is also a motivation for you to always have a goal when doing something, in this case is in managing finances. So, besides having savings and investment, you also have a long-term financial plan.

5. Don’t owe if you don’t need to
Debt is a burden that must be paid when it is due. For that, if you do not have an urgent need, avoid debt so that you are free from the burden of payment.

Except, you really need money to buy urgent needs. But, owe it naturally and can still be paid by you. So the debt does not interfere with your financial plan.

It is rather difficult to implement ways to manage family finances rather than personal finance, because everything must … Read More

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