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So here the long-term financial objectives is owned by a fraction of a variety of savings goals that must be done every month short-term-up to achieve that goal.

So do not just declare a long-term goals, but note also the short-term savings goals that can be done.

Income and Wealth

No one has become rich just because the big income. Wealth becomes apparent when you save or set aside money every month and invest it. Many people think, in our opinion less logical “If only  more then all the circumstances will be better”. The reality is, with rising incomes will always be coupled with rising standards of living or lifestyle. So you would still need almost all of the monthly income that you get with hard work. In fact, if the individual or family plan failed savings-saving goals, then they will only add to his debt.

When you get a promotion to the standard of living then you have to buy new cars more presenting your position. New car loan. debt. Then, you think the position now then I have to buy a nicer house. With the mindset and habits like this, it is difficult to achieve what is desired, ie wealth or welfare of the future.

It is not true if you think that wealth will come by itself because you have a large income and still maintain your financial behavior. You have to change for the better and more responsible.

Believe us, to achieve wealth or welfare, do not spend all your monthly income, set aside and invest for the future. So if you want to be rich (in terms of material) in the future, two things and only two things you should first change and improve, change your attitude toward money or changes in yourself. Second, increase the percentage of savings compared to total income.

Discount versus Save

We try to provide examples of where actually buy something with a discount not necessarily save money or save money. Big malls around Jakarta often times give a party weekend sale or discount, where the mall is for a certain period to give discounts could reach 70 percent of the regular price for a variety of goods available. Many people who come and of course want to take advantage of this discount party. After their shopping, they say, “we save Rp 200,000 to buy this bag! The price is only Rp 500,000. But do they really save USD 200,000?

Strategies for Saving

The trick to saving money is knowing how and make it a habit. There are many ways a more or less we’ve brought in some previous articles in order to achieve the goals that exist.

One important thing to note is that you make saving a priority.

Systematic saving

Now is you should start to save. Many people fail to do and still save money because they impose themselves by reducing the needs of every month. They cut a little spending here and there. While it is still doing that they can only set aside a little each month.

Maybe it is better if you change the scenario of saving. When you learn to pay others first instead of yourself. You pay when you buy a baker of bread, you pay your subscription barber if you finish styling your hair. But the question, when you pay for yourself?

So already  you pay for yourself before you pay for someone else.

In our opinion, there is a way where you can pay for yourself, by setting aside 10 percent of revenue n each month in advance. Do after you use it for a month or what’s left, but you have to put it aside in advance.

With a minimum of 10 percent that you paid for yourself, then you will keep laying golden goose that will make you rich. And with the rest of the 90 percent you use to pay for someone else. You will not feel any significant change to the level of your life.

With 10 percent that you set aside, you will maintain a goose laying golden. But with an absolute requirement that must be held, do not ever take away from the funds you set aside 10 percent every month for the future. With 10 percent that you set aside each month will make you wealthy in the future, when retirement comes.

Leveraging debt (credit card) wisely. Credit or debt can be used to benefit the family but on the other hand is also very dangerous. Knowing when it is appropriate and wise to use credit become indispensable.

Debt will always follow the changes in the lives we live. But the debt is taken to be in line with future goals you have set. For example, mortgages or home ownership debt. When according to the needs and financial goals then this is a wise decision. But dig a hole by using credit cards to meet the lifestyle that you can not meet will be very dangerous for the family’s financial future. Look carefully at this before you owe.

Every time I meet more people who are vegetarians, conviction or fashion. Yes for fashion since being vegetarian has become fashionable and is consistent with the trend of protecting the environment and our ecology. Arise and new business opportunities focused in that niche market may still not very large but precisely because it qualifies as a niche where there is not much competition yet and can offer new products or services. This is the case for example the website HappyCow that provides guidance to restaurants worldwide sites where you can go to lunch or eat vegetarian. This guide is combined with the sale of a series of “green” or “green” building an entire community around environmental protection and ecology. HappyCow also has an interesting application for smartphones like the iPhone, Android and Blackberry called VegOut that allows all community members interact with each reviewing and making recommendations on the best places to dine. As you can see both the website or application for mobile phones are similar to other sites HappyCow restaurant guides but has concentrated exclusively to the niche market of people dedicated to vegetarian food in order to differentiate these offers general guidelines restaurants.

I mean a blog called PeruFail just curious about issues that occur in Peru. The blog is really super fun and basically consists of photos or images or videos with interesting facts. The use of text is lower minimum items to display only pictures or videos of funny things that happen in Peru. Although PeruFail is “anchored” geographically in Peru, has been obtained in a few months more than 9 billion hits per day to your blog. PeruFail recently began publication in May 2010 in only nine months has achieved the impressive figure of visits is endorsed by the high ranking it has on Alexa.com. So you can compare, I HagaNegocios.com it took me some 2 ½ years to have those figures they have achieved in just 8 months. Another thing to highlight is the already mentioned PeruFail in the direction of the virtual absence of texts in their articles or posts when it is advisable to always have items of 250 words on average. In addition PeruFail has been engaging their readers for whatever they may send the photos which are then posted on the blog.

Are you beginning to feel uncomfortable with the fact that?

Thank God. Discomfort it might instead will save you from debt bondage for life. Money can not buy happiness, but with the money your life easier. But to get the money is not free, you must work for it. Too bad you can not always work, but your life will probably occurred even long after you can not work.

To deal with this natural process, we have been given the productive age for years, but not many people are aware of it. Once they get the jobs and income, just as soon they have a credit card. Instead of putting savings and investments, they buy goods that even his age could be shorter than the installment payment.

Here are three types of management where you can choose according to your wishes with your partner. Of course there are many more existing management patterns. The most important thing here is the mutual openness and family life with a shared responsibility.

1. Money together and Envelope System

Combined income of husband and wife live together. After that, a combination of both direct revenue is allocated to routine expenditure items which have been calculated first. Typically, each heading is represented by a single envelope. Expenditure items that, in some families, not just eating and drinking and household needs, and electricity alone, but also includes pay for a home mortgage, car payments, electricity, telephone, child’s school fees, insurance and need a car (petrol, regular service, damage, etc.). Even savings, personal expenses and vacation father-mother became a separate envelope. If there is remaining, put into savings husband or wife, or more specifically open a joint account at the bank for the â € ~ menampungâ € ™ remaining envelope every month.

2. Dividing By Percentage

This form of management is to divide the responsibility in the form of the number or percentage of whole family needs each month is calculated including the postal savings and postal emergency. Each agreed to contribute a certain amount to cover those needs. The remainder is used as a personal savings to personal needs. For example, the wife to buy perfume, lipstick, or dress. It could also not counting the family’s needs first, husband and wife contribute the same based on the percentage. For example, 80:20. That is, each “deposit” 80 percent of his salary. The remaining 20 percent is saved for yourself. If you can save money, the money together, which is 80 percent, can be left to the family savings, in addition to husband and wife also each have a personal savings.

Money is often a cause of divorce. Disputes about the finances can only occur in times when money abundance or lack of money. Indonesian society feel uncomfortable having to discuss financial problems within the family. Therefore, we feel the need to continue to call upon all people, especially married couples to learn each other openly about their finances. We strongly believe that everyone has a view about the different money because the husband or wife was raised in different environments. Failures in talking about money in the family potentially cause problems.

Many people feel that talking about finances in the family is taboo. However, in our opinion, this fact should be discussed. These circles ever think, Is to let the financial issues in family-soluble belarut will solve everything? Or it could become a snowball that continues to grow? Small problems can become big if not addressed and resolved wisely. Therefore, in terms of family finances badly needed a management scheme where each individual in the family (husband and wife) have the rights and obligations of each. With the division of responsibilities and in-depth discussion can alleviate problems that may arise in the future.

Here are three types of management where you can choose according to your wishes with your partner. Of course there are many more existing management patterns. The most important thing here is the mutual openness and family life with a shared responsibility.

1. Money together and Envelope System

Combined income of husband and wife live together. After that, a combination of both direct revenue is allocated to routine expenditure items which have been calculated first. Typically, each heading is represented by a single envelope. Expenditure items that, in some families, not just eating and drinking and household needs, and electricity alone, but also includes pay for a home mortgage, car payments, electricity, telephone, child’s school fees, insurance and need a car (petrol, regular service, damage, etc.). Even savings, personal expenses and vacation father-mother became a separate envelope. If there is remaining, put into savings husband or wife, or more specifically open a joint account at the bank for the â € ~ menampungâ € ™ remaining envelope every month.

2. Dividing By Percentage

This form of management is to divide the responsibility in the form of the number or percentage of whole family needs each month is calculated including the postal savings and postal emergency. Each agreed to contribute a certain amount to cover those needs. The remainder is used as a personal savings to personal needs. For example, the wife to buy perfume, lipstick, or dress. It could also not counting the family’s needs first, husband and wife contribute the same based on the percentage. For example, 80:20. That is, each “deposit” 80 percent of his salary. The remaining 20 percent is saved for yourself. If you can save money, the money together, which is 80 percent, can be left to the family savings, in addition to husband and wife also each have a personal savings.

You are a government employee or private employee who has been married? How does the pattern of your household financial arrangements? It is well, or maybe still confused looking good pattern for managing finances? There are several types of patterns of household financial arrangements are most commonly done by most of Households:

• System is not controlled, in this case there is absolutely no consensus on the husband and wife, sometimes many husbands who buy and spend money for household purposes, sometimes vice versa wife the most. There are no books and no fundamental agreement on purchase of goods, domestic life runs flowing.
• Household Budget System, in this system there so that the household budget set spending only be such as the daily food shopping, household needs such as bathing and washing purposes, until the child’s pocket money. Here the husband and wife agreed to deposit money each month from the salary of each, for example, each deposit Rp. 1 million per month.
• Household Financial System, in this system Households are considered as a company that has a financial system that neat and controlled. In this case the money income and wages of husband and wife were grouped together and arranged in a controlled financial system. Well, this is the best system when you apply in your household.

To be able to provide “a panacea” in the management of debt recovery then the first step that must be done is to identify the final position your debt, There are a few tips that can be done to cure the debt, namely:

• Calculate your monthly debt repayments large, whether:

1. less than 30% of your income, if this happens then you still have a strong ability to resolve your current debt.
2. betwen 30% to 50% of your income then your debt position in a state of ‘special’ or known in the term ‘under special mention’ this means that the potential debt repayment installment has been delayed before entering
3. Above 50% to 60% of your income then you are in a position of ‘substandard’ or ‘sub standard’, in this group you’ve certainly experienced the level of congestion payments exceeding 3 times the monthly installments and have the potential to become even worse.
4. Above 60% of your income then the position becomes very worrying that the position of ‘questionable’ or ‘doubtful’ This means that the position you get into a great potential to not be able to complete the installment payments.