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The first step that needs to be done in preparation of financial plan is to diagnose the condition of our personal finances at this time. To note in diagnosing the financial condition is the magnitude of the total revenues, total expenses, the size of assets and liabilities debts we have.
In general it is clear that total income should not exceed the total expenses. For those who have a fixed income every month then could easily estimated the magnitude of the total income in one year, including income non routine such as allowances and bonus feast day. Then its expenditure should be regulated not exceeding total revenue routine that he possesses.
The income of the non routine should not be allocated to bear the total expenditure, but it must be allocated for the purpose of investment or reinforce emergency fund. As for people who have that kind of income variables (not fixed) then the total of its expenditure may not exceed 80% of the average income.
The next post is the asset that needs to be noted. We often mistakenly defining about assets in relation to financial planning.
The assets are in fact everything that delivers productive activity or support us. A simple example is the House we live in and the vehicle we wear can be classified into an asset because it supports our productive activity, while villa, stereo set, an acoustic guitar, golf and a second vehicle that is rarely we wear, definitely not an asset category. Savings and investment is one of the tangible assets yields.
Debt is the plural thing is done and is not really a thing that needs to be feared. Debt in fact is adding to the buying power of our revenue by attracting us in the future to the present. Are analyzed in terms of debt is a type of mortgage debt and liabilities we have responsibilities. Home credit and productive vehicle is definitely the kind of debt that is reasonable and can be tolerated, but credit card debt is a type of debt that is absolutely to be avoided. Interest rate credit card debt average reach 35 – 48 per cent per year and this is clearly burdensome financial digitalis us.
Given the size of the interest rate credit card, then use a credit card to look out for limited funds for the sake of practicality and comfort only and not to increase our buying power with the way owe. In terms of managing debt, the magnitude of the total liability of our debt repayment should not exceed 30 percent of our total revenue. When we’ve been stuck on the conditions of the obligation to pay the debts that exceed the threshold, then the restructuring absolute debt have to do with prioritizing on debts that have high interest credit card debt, such as credit without collateral, and the like.
Having An Emergency Fund
The second step in the preparation of financial plan is to check the availability of emergency funds that we have. An emergency fund is a Fund at any time must be available when unexpected expenditure arises. Many people don’t think about the availability of an emergency fund in their financial planning, so that when unexpected expenditures arise then that is often done is add the ability of purchasing power by creating debt, and usually this type of loan is a debt with such high interest rate credit card debt and credit/loans without collateral.
Whereas it is clear that the actual debt should not at all be a mainstay for unexpected expenses this close. This is where the importance of the availability of the Emergency Fund, so we don’t get stuck coils of high yield debt. The magnitude of the emergency fund to be owned in the financial planning vary, ranging from 5 to 20 times the total monthly expenses.
COMPARE SALARY JUST To MAKE A BORED
cannot be denied a, sometimes arises curious to know how much is the salary received friends or colleagues in the Office. Unfortunately, it’s often when curiosity answered, that is hot careful, especially if it turns out the salary of A performance under the US turned out to be right.
In an analysis of a survey conducted on 19,000 people in 24 European countries, three quarters of the respondents say that comparing salaries with others is important. However, they also admit that it often bring disappointment.
Researchers from the Paris School of Economic analysis that does such a mention, when someone finds out that he was on a lower salary level, generally will feel depression and low self-esteem. The response appears on either the respondents both men and women. Interestingly, a sense of envy that arose was greater if compare with friends than when with a colleague. This is probably happening because when knowing the salary of our colleagues, higher expectations arise sooner or later our salaries will also be creeping up.
The habit of linens’s salary is apparently more often do workers in poor countries compared with workers from the developed countries. Those low-income also likes to compare his salary with people who are more prosperous. “We used to think the rich will more often compare salary, but it is precisely those whose incomes are lower,” said Professor Andrew Clark, Chief researcher. “Too often compare salaries actually self-defeating because we feel that the world is not fair,” he said
WHEN FINANCIAL DIFFICULTIES
we can experience financial difficulties when job loss, illness, divorce, debt, failing business caught up, and more. Financial difficulties can engender a sense of anxiety, anger, panic, and even cause us currency slumped because of bad money management.
The first thing that should be attempted is to stay calm. Only by remaining calm we can take decisions are good and help other family members to be able to cope with the situation well. Loss of income affect all. Adults may be very depressed and preoccupied with the chaos he feels himself, forgot that happened also affect children.
No matter what happens, children need emotional security of adults around it. Adults may be trying to hide the actual circumstances with a view to protecting children. However, the children are good observers. They will capture the existence of something goes wrong, especially when the adults around him looked tense, brooding, or quick temper. It could be that they will take wrong conclusions about what happened and blaming yourself.
Therefore, to better explain the circumstances are open to all members of the family. Children acquire description according to the stages of its development, with the aim to make him understand without having to be burdened by excessive concern and sense of wrong. Parents also need to listen to the voices of children: disappointments, fears, and shame because conditions changed.
Maybe we don’t want to discuss the bad stuff happens, but sometimes it’s necessary to lighten the burden of all: the burden of parents, helps children understand what is really going on, and can be used to strengthen cooperation within the family.
Setting priorities
The second important thing is to set priorities. Parents need to work together to assign a priority to leave egoism for the family, for example education and nutritious meals that are more economical. Everything else is no longer a priority, even if it needs to be removed from the list, for example, the budget for a cigarette, new clothes, or collection of goods as a hobby.
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