Material nova club talk show about financial independence for woman with Hotman Simbolon (VP of customer care center head of Citibank).
Creating a budget is not difficult. All you have to do is take the time to make arrangements and planning. If you've made, a budget can be easily managed. The steps to manage the budget:
The first thing to do is to determine the target, for example, has a new home, retire early, or prepare for educational expenses.
You can group your goals into three categories: short-term financial targets, medium term and long term.
Ask yourself: what is important thing for me? What do I need? What do I want? The answers to these questions will help you determine your target. If you're married, you and your partner should discuss these answers to decide the target together.
TIPS
Determining Target
Write down your goals. If you already know what you want, you can start making a budget.
1. Short-term targets:
Is the target that you want to achieve in less than one year ahead, such as paying off credit card bills, buy a television or refrigerator, or saving for the holidays.
2. Medium-term target:
Is the target you want to accomplish in two or five years ahead, such as down payment on home purchases.
3. Long-term target:
Is the target that you want to achieve in more than five years
forward, such as retirement savings and college tuition.
Collect all income and expenditure data of households. Thorough and honest when making estimates of expenditure. The budget you create must be an accurate picture, not the "best possible". Collect the following things:
- Slip salary
- Tax Refunds
- Notes checkbook
- Credit card bills
- Receipt important purchases like a car loan
- Bill from banks or other financial institutions
- Other expenditures, such as: monthly shopping, social gathering, school fees, etc.
TIPS
Managing information owned
You must manage your own information into three parts. The third section will be used to make a budget.
1. How your income:
Collect all types of income, such as: including the "net pay" after deducting taxes, commissions, bonuses, social security or pensions, disability insurance, interest income, dividends, allowances and others.
2. How much money do you spend:
Collect all fixed expenses and variable expenses are not fixed. Fixed expenses are expenses that amount does not change every month, such as rent, loan, insurance, loan payments, retirement savings, tuition, money arisan and others. and usually can not be contested. Expenses not fixed variable is the amount of expenditure can be volatile and may be reduced or eliminated, such as cable television subscriptions, per diem, gas money, phone bills, and others. and can be reduced or eliminated.
3. The final totals:
Subtract the total expenses by total revenue. The results of the reduction is balance the budget. If the expenditure is greater than revenue, the budget shows an unhealthy condition. If spending less than income, then the remaining amount of the remaining amount is called "discretionary income". This is the amount that can be used for emergency purposes or saved to and meet budget targets. And this budget shows a healthy condition.
After all the information collected, you can see the relationship between income and expenditure. You can use the numbers when making budget Estimates for the first time, because it takes time to understand your financial position is. At least this information can give you a good shopping behavior and correct.
The final totals you have is the difference between your income and the amount of your expenses. These figures give an indication if you spend too much or not. If the number is positive, you can increase the amount of your savings and if a negative number, meaning you spend more than income.
If you spend more than 15% to 20% of net income to pay the debt and credit card, chances are you are in the danger zone. If the number of negative end, you should re-examine your expenses, especially those that are not fixed, so that your shopping habits back under control.
web resources citibank.co.id / portal / usewisely / language / mengelola_anggaran.htm
Managing Budget
Creating a budget is not difficult. All you have to do is take the time to make arrangements and planning. If you've made, a budget can be easily managed. The steps to manage the budget:
Step 1: Determine the target
The first thing to do is to determine the target, for example, has a new home, retire early, or prepare for educational expenses.
You can group your goals into three categories: short-term financial targets, medium term and long term.
Ask yourself: what is important thing for me? What do I need? What do I want? The answers to these questions will help you determine your target. If you're married, you and your partner should discuss these answers to decide the target together.
TIPS
Determining Target
Write down your goals. If you already know what you want, you can start making a budget.
1. Short-term targets:
Is the target that you want to achieve in less than one year ahead, such as paying off credit card bills, buy a television or refrigerator, or saving for the holidays.
2. Medium-term target:
Is the target you want to accomplish in two or five years ahead, such as down payment on home purchases.
3. Long-term target:
Is the target that you want to achieve in more than five years
forward, such as retirement savings and college tuition.
Step 2: Collect information
Collect all income and expenditure data of households. Thorough and honest when making estimates of expenditure. The budget you create must be an accurate picture, not the "best possible". Collect the following things:
- Slip salary
- Tax Refunds
- Notes checkbook
- Credit card bills
- Receipt important purchases like a car loan
- Bill from banks or other financial institutions
- Other expenditures, such as: monthly shopping, social gathering, school fees, etc.
TIPS
Managing information owned
You must manage your own information into three parts. The third section will be used to make a budget.
1. How your income:
Collect all types of income, such as: including the "net pay" after deducting taxes, commissions, bonuses, social security or pensions, disability insurance, interest income, dividends, allowances and others.
2. How much money do you spend:
Collect all fixed expenses and variable expenses are not fixed. Fixed expenses are expenses that amount does not change every month, such as rent, loan, insurance, loan payments, retirement savings, tuition, money arisan and others. and usually can not be contested. Expenses not fixed variable is the amount of expenditure can be volatile and may be reduced or eliminated, such as cable television subscriptions, per diem, gas money, phone bills, and others. and can be reduced or eliminated.
3. The final totals:
Subtract the total expenses by total revenue. The results of the reduction is balance the budget. If the expenditure is greater than revenue, the budget shows an unhealthy condition. If spending less than income, then the remaining amount of the remaining amount is called "discretionary income". This is the amount that can be used for emergency purposes or saved to and meet budget targets. And this budget shows a healthy condition.
Step 3: Understand your current financial position is
After all the information collected, you can see the relationship between income and expenditure. You can use the numbers when making budget Estimates for the first time, because it takes time to understand your financial position is. At least this information can give you a good shopping behavior and correct.
Step 4: Check the number of final
The final totals you have is the difference between your income and the amount of your expenses. These figures give an indication if you spend too much or not. If the number is positive, you can increase the amount of your savings and if a negative number, meaning you spend more than income.
If you spend more than 15% to 20% of net income to pay the debt and credit card, chances are you are in the danger zone. If the number of negative end, you should re-examine your expenses, especially those that are not fixed, so that your shopping habits back under control.
web resources citibank.co.id / portal / usewisely / language / mengelola_anggaran.htm
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