Entering the end of the month is the moment where the majority of the workers get paid for their work. Income entered in the form of salary should be set such that it can meet all the needs of everyday expenses. Do not be, the salary you received at the end of January, right out in the first days of February, which in turn will actually make you difficulty in meeting the needs for the next month.
When we have faced the cash flow arrangement, at first glance looks simple and easy. Entry consists only of income, which is generally in the form of salaries, and expenditures to finance day-to-day life. However, when we have faced in its implementation, was not as easy as imagined. Especially when confronted with the fact that the amount of expenses that you are doing, even greater than the income you receive.
While still in January that in fact be opening in 2012, it helps if you start doing the cash flow in a simple setting to your finances this year can be run more regularly.
Simply put, cash flow is divided into several specific groups of expenditures. A number of expenditure items that you usually do, can be classified into several groups of expenditure, namely the Primary Group, the Group Liability, Secondary Group, or Savings and Investment Group. Try to put all your expenditure, into several classifications.
Expenditure that goes to the primary classification is the expenses that you normally spend to support the productivity and your daily life. Expenditure that goes into this classification is vital because you can not reduce the amount flexibly at any time. For example, do your routine expenses to monthly family food shopping needs. You can not necessarily reduced by 50% for example, because the food needs of your family depend on such expenditure.
Classification of liabilities consist of the expenses associated with your obligations to third parties. As with the primary classification, this classification can not be changed flexibly because it relates to other parties. Examples of classification of liabilities that is very common for people of Indonesia, especially in big cities in general are spending their compulsory to do to pay the mortgage for bank loans. You know if you do not pay these expenses, then you will be dealing with debt collectors. Of course you do not want anything like this happen, right?
For secondary classification include various expenditure items that are not included in the two previous classifications. Expenditure that goes into this classification are usually personal expenses and had no significant effect on your daily activities and productivity. You can make adjustments to the expenditure in this classification at any time you need it. Suppose you are in need of more funds for your monthly spending needs. Examples of secondary spending is for hobby or entertainment needs of your family. If your hobby is regularly and to watch movies with your family, then spending it can be incorporated into the classification and secondary expenditures if the expenditure if it is reduced, then it would interfere with the productivity and other activities.
The latter classification is investment spending or saving. This classification is prepared specially for those of you who are going to start investing for the future. Related to investment needs, you should contact your financial planner before deciding to invest. This is so you can spend a maximum investment to suit your needs. Examples of such expenses is when you start preparing for the preparation of children's education fund or pension fund.
With some of the expected distribution of the classification of your financial condition in the future can be better organized and planned. So, have fun with the money!
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