Here are some tips for managing finances (financial management)
1. When receiving a salary, try to pay first routine bill.
Yes, every family must have a permanent bill monthly expenses. What are included in this permanent bill? Phone account, Tax, PAM, electricity, school fees, mortgage car / house, other debt repayments, the cost of the workshop, and shopping routine weekly / monthly is fixed post. So pay this first before you spend money you pay for that month (make your financial management).
2. Make allocation for emergency cost
For you who works as an employee, usually the company’s cover arises when health care costs. But there are times when the ceiling is provided by the company limited so get out of your own pocket. These funds also are you prepared if there is a wedding invitation, circumcision, co-workers sick, and others. You should be able to ask an accountant consulting services such as public accountants / financial accountants.
3. Do not be tempted to the lure of credit cards.
In a company, even had to provide training to its employees who tangled by credit card debt. Training (finances by using financial consulting services) is done to them more prudent in spending for consumer goods that are usually offered through credit card services. Credit cards are a means easy for you to owe, so if you feel you can not control it, immediately close your credit card. After all, you will not die without a credit card.
4. Frugality is the keyword
Yes, because you have a fixed cycle with income just as usual, the frugality is the key word. Frugality does not mean cheap. Frugality is spending your money for what you need, not what you want. Unless you are an employee who was earning far above average, as most people work. So-so sometimes you treat yourself to buy something you want. We recommend that you use the services of a public accountant or a financial accountant to manage your finances.