Often we hear of a husband to give a reason, "I asked, 'financial director' always yes." And we suck in that the reference is to his wife.
Our society has become a tradition that a wife is the manager of the household, especially in terms of managing household finances. The financial challenges of a wife are also quite diverse, ranging from the rise and fall of family income, household budgets do not keep up the deficit, until the threat of shortage of funds for their old age.
In fact, in a less favorable financial situation, the wife threatened to 'forced to' go to work to meet family needs. We hope some of the tips below will help a lot of the wives to be more intelligent and skilled in managing the household finances.
1. Build financial confidence with couples (husband)
Plan your household finances together with your spouse. Create an open and honest communication. This will change the attitude of blaming each other (Remember: This is one of the main causes of cracking households) to remind one another what happens when excessive spending. This can also make you give each other credit for the achievement of financial targets that have been your plan together. As a result, encouraging you to be more disciplined and learn to live more frugal.
2. Expenditures, debt / liabilities, savings and Bylaws.
What first comes to mind when you receive income every month? Shopping? Pay debts / obligations? Or save money? If shopping is first come, almost certainly your household budget would suffer a deficit. You need to change that habit. Get used to cut the income to be saved first. This ensures the net cash flow (net cash flow) Your household budget will be a surplus / positive. After that, pay old debts / liabilities.
Make sure that the debt / liabilities decreased continue according to schedule already planned. Beware of interest that apply. Only then did the rest of the available budget is used for household expenditure. By doing the above habits, you will more easily achieve the financial targets as desired.
3. Spending limit agreement.
Make agreements with your spouse purchase a ceiling, for example, USD. 500 000. If there were no purchases above the ceiling, you both agree to discuss it first (not applicable for routine purchases such as monthly expenditure, payment of electricity and others). Beginning, this rule was felt to be too restrictive, but we've shown that this is a major impact on budget savings.
4. Organize your financial documents
Provide a special place for storing financial documents and your important documents and Arrange neatly, so you will be easy to get it if needed. This will encourage you to continue to conduct a review of your budget are made.
5. Understand the needs of life and health insurance
Insurance policy purchased to protect you. To the extent that you have an insurance policy to protect you. For life insurance policies, act as a replacement income if the provider is unable to perform their duties (due to death or disability). Understand how much the value of protection (Sum Assured) you need.
Increased medical expenses that reached 3-5 times the inflation is strong reason for us to have health insurance. Most of the reader would already have health coverage, whether provided by the company, or buy their own. Understand the guarantee facility (coverage) your health insurance, according to your needs. Discuss money life insurance and health insurance coverage with a financial planner or your insurance agent.
6. Meet the needs of retirement
When should we begin to plan and carry out pension funds? Start early. The faster start setting aside funds, will be getting better and getting cheaper funds needed. As an illustration, for the targeted fund of 1 billion 20 years from now, with a growth rate (return) 14% per year, the funds should you invetasikan per month is Rp.760.000, -/month. Meanwhile, when your 10-year delay with the target and the same growth rate, you should set aside funds of Rp. 3.800.000/bulan.
7. Defining financial goals with your partner
Discuss short-term financial goals and long with a partner is a fun time because the union of two of your ideas will create the motivation Ark household pliers while strengthening its foundations. Start with general things, like car purchase plan, installment house and others. Talk out your ideas creatively. For example mortgage plan is completed before the beloved children started school, this will reduce your financial pressures in future. Or do not buy small cars if you are already expecting the arrival of the child before two years into the future.
Do not forget to make your plans in writing that the review could always come back from time to time and most importantly, consolidate your goals into monthly budget plan.
8. Saves = create revenue
When you do a monthly expenditure for households, make it a habit to save the budget. And dedicate the savings to something real. When we first married, my grandmother once advised, "Save belanjamu savings for a birthday gift your children someday." And to the unexpected, we get more than enough for that.
9. Buying for the long-term benefits
Almost all parents welcome the birth of new family members with preparing the crib. How long does the baby's sleeping place? Would it not be efficient if we greet him with buying adult size bed, which will continue to benefit until he grew up.
Good work!
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