SAVINGS IN THE BANK : PAY to get

While you do not have the goose laying the golden machine or money (money machine), then you own that must be a money machine. How is your income does not guarantee that you will live comfortably in the future. Because, not the money that you generate that will save you money but you have seen or store that role.

Four Reasons Why People Not Saving
Many reasons why the individual or family must save, but for most people, there are four reasons why they do not do this.

1. Because careers are uphill, then you think that you will get more money later, so do not need to start to save.

2. You feel that your life now, and it is very difficult to save and limit your desire.

3. You think that savings is not too important, and you think that you can not change your financial prilaku.

4. You think that the savings will not produce anything with low interest rates and high inflation.

Make You Rich, Saving, Not Your Revenue
No one becomes rich only because of their income. Property becomes evident when you save or set aside funds every month and invested. Many people think that, by sparing us less logical, "If only I generate more then all circumstances will be better." Reality, with the increased revenue will always complemented by increased standard of living or lifestyle. So you will still need almost all of the monthly income that you get with hard work. Indeed, if the individual or family plan failed to save (saving plan), they will only increase the debt.
When you get a promotion with the standard of living you have to buy a new car that you present positions. with the new car loan. debt. Then, you think the position now so I have to buy urmha the better. So you decide to return debt. You can generate a large income but with the pattern followed by shopping or habits that are less good, or add up the debt. Because our society today, especially urban society is very materialistic. They see what you wear or use. Rather what you do for yourself and family and of course to the wider community more (environment).
It is not true when you think that wealth will come by itself because of your income and maintain the financial behavior. You must be changed for the better and more responsible. In connection with the financing, many people think that he can make the mistake of using all of their income for the purpose of the monthly and will justify when incomes rise.
So, you really believe that with a high income you will change your financial situation in the future. We believe, that it will never happen when you prilaku the money never changed. Do not spend all of your monthly income. Aside and investment for the future.
So, can be concluded if you want to be rich (in the means of material) in the future two things, and only two things that you must change and improve. First is the change you prilaku of money or changes in yourself. Second is to increase the percentage of savings compared with total revenue.
Saving can be fun and Very Easy to Do
It is you should start to save. Many people in a failed savings and still do because they impose themselves with the needs of every month. They cut spending a little here and there. Although it has been fixed they can only set aside a little each month.
There may be a good idea when you change scenarios. When you learn to pay other people first, not yourself. You pay the baker when you buy bread, you pay a subscription hair cutter when you finish up your hair. but the question, when you pay for yourself?
So, it is better you pay for yourself before you pay for other people. According to sparing us, there is a way in which you can pay for your own self, with 10 percent set aside from the monthly income each month in the future. Do not use after you for a month or what is left but you must menyisihkannya in advance.
With 10 percent of which you pay for yourself, then you will keep laying the golden goose that will make you rich. And the remaining 90 percent that you use to pay for other people. You will not feel the changes, which means the level of your life with a 10 percent cut of the revenue in advance.
With time running you will not feel that you have already cut 10 percent of your income. You may find it difficult to believe. But, when you do it properly then you will benefit from the action that you do.

Source: M. paper Ichsan, Bina Nusantara University Lecturers and also financial planners

Between Time and Money

Money and Finance Welfare
In the materialistic world like today, is "normal" wear clothes that you buy with a credit card that has not paid the installments for work, the cruise cut traffic jams, Jakarta, the car still be, to get money to be able to pay clothes, cars and houses almost empty throughout the day because you have to go to work everyday.
This is an example of modern life at this time, if you have money, you do not have time to enjoy it. If you have time, you do not have the money to be able to enjoy it. This is called a trap by LeBoeuf on-time money.
When you were, the influence of money on life not only because the display ads in various media, but also influenced by the natural human instinct. Perhaps when you consider the children aged 3 years, without children are taught to have and seize things. Naturally, each man eager to get something that is more directly related to this money.
With the development of technology and the economy growing rapidly, the natural instinct manusiapun changed. In the cash transaction economy, the money used to satisfy a lot of desire, the desire to live comfortable and secure, the desire to have a job that provides salaries, and others. But all this does not stop there, it will continue to grow, so will we forget the real needs we actually need. And in the end even the energy to channel the money hunt as much as possible.
Although the influence of the natural human instinct that want more or greedy, we as humans still have the freedom to choose and determine the values that we want. What we find now is a tendency not control. In each of the human mind that there is the desire all the more. With this motivation for you to do well and achieve quickly. Encouragement to live the excess can be fixed with a running rail in life that you have family and the previous outline. This is the positive side of the decisions taken.
Unfortunately, many parents forget themselves, with the drudge work, and the time will forget about the vision of a prosperous family. On the one hand, they have a lot of money but on the other hand, the time for families to remember. They allow money to lead them.
We are trapped in such mindset because we always think that the financial problems we breaker is the salary or income that we receive. The more money we generate will certainly solve all financial problems, so correct? Not entirely true.
To that required a new view on the financial that can provide a sense of greater prosperity. The idea is to create a significant financial life simple and not much time in handling.
One said that according to my opinion to give meaning in the family finances, namely simplicity. Simplicity is a conscious attempt to limit the basic needs of family life. Simplicity as well as art. Simplicity need not only to remove the luxury of living, but needed changes in the perspective of a genuine.
There are those who interpret simple with a tendency to monitor expenditure, with very strict, like the nomad in the desert that oversees drinking water. This does not solve the problem, namely born spiritual welfare. Limiting excessive damage to even imagine life satisfaction.
Summary of simplicity, namely to distinguish between needs and wants, is very important to foster relations in the more harmonious and healthy with regard to money. In this case, there is no formula that can meet the standards of all people.
We certainly know people who have been niggardly and materialistik, when he only has a few possessions and on the other hand you also see the fun and relatively independent, which have abundant material wealth.

Source: Sinar Harapan News Paper

Habits to Delay

In the language of financial family, "time is money." When you pause the financial decisions that must be taken so this can damage you, but when you do it earlier, this can provide welfare. True so? All decisions are in your hands.
Ric Edelman, financial planners on the United States, mentioned in the book titled The Truth about Money, at least there are four major issues that make people fail to create a prosperous life as they expect, namely:

1. Attitude procrastinator temporize (procrastination);
2. Spend habits (Spending need to know);
3. Inflation increased (inflation); and ...
4. Number (Taxes)

The first two things mentioned Edelman is a more personal / private, while the other two can be considered as the "social". Or can also be said that the first two obstacles are the factors "internal", while the other two are "external".
Factors "internal" to be addressed and resolved on a personal level. Attitude procrastinator temporize financial planning, is the main factor failure to achieve prosperous life in the future. Delaying financial planning in order to prepare the cost of education of children, for example, can be affected when viewed in the long term. As a result, the children we love may be losing the opportunity to enjoy the learning process in the institutions of good quality because of cost limitations. In the case of the preparation of pension funds is also the same. They are not much further away-day - ideally in the range of 30-40 year time period before the pension - can be distressing other parties (both family and government) in the future.
Different factors with the "internal" which is a more personal responsibility, the "external" related to social and economic conditions of a country. Not many people can affect the level of inflation and set the matter of taxation in the country. This is influenced by many factors poleksosbudhankam a very complex, which can even exceed the ability of a government since relations in the regional scale-up of international global. That may be made by individuals in overcoming this is to anticipate the various possibilities that will appear with the interesting lessons from the history of the past. This means that, even though inflation and taxes, we can not control, but we can still determine the personal attitudes towards this.
Expensive costs that must be paid!
Time is the biggest factor in determining the value of money. A, you save as much as Rp10 million, with 8 percent interest per year / net. In one year ahead of you will expect the value of your investment will be greater than Rp10 million in value or grow into Rp10.800.000. When you save it under a pillow, then the value of Rp10 million will still be worth Rp10 million a year. While I may be reduced because of inflation.
The most important findings in the history of finance is compound interest (compound interest). Principles of compound interest is the interest that the results obtained from the investment will be added back to the initial investment and dibungakan back. So the results you will get in future years not only from the initial investment that you place but also from interest generated during the invested money.
Let's see the actual calculations. As the above example, if you save as much as Rp10 million, with 8 percent interest per year / net. One year ahead value Rp10.800.000 grow into. You continue menginvestasikannya. Once the second year running, then you will get 8 percent profit again, but not from the value of Rp10 million but the value of Rp10, 800,000 or at the end of the second year the value of ivestasi you will be increased to Rp11, 664,000. The longer the investment period, the value of your investment will also increase interest rates in line with the flower.
How is the level of tribes that you get from the investment made, the time will provide a level of extraordinary. But with interest rates higher just one point, the value of the benefits that may be obtained will be much increased.
Andi aged 25 years, 35 years old Tuti, and Anto 45 years. Pension for them is diusia 55 years. See the development of investment which they do every month amounting to Rp1 million, with interest rate of 8 percent. In real life, the tax effect and lower the amount of profit that you can get.
Clearly visible from the top of the table, the price must be paid as a result of delay is very expensive habit. When you pause of 10 years (your current age 25), with the value of the investment Rp100 million and the assumption of interest to 6 percent, at the age of 55 years, you only get funds around Rp320 million. When the exercises, you can not get around Rp574 million.
The only action you should take is to make financial planning a comprehensive family now. Do not delay anymore, whatever your age now. Because delaying a decision about the family finances to be paid expensive in the future.
Take action, now ...!

Writing: M. Ihsan, Lecturer BINUS and also a financial planner

Understand The Life Cycle YOUR FINANCIAL

Along with the flow of human life cycle from the infant, toddler, children, adolescents, adults, parents and the elderly, the different views and needs of financially, we also always-changing condition, according to the fox. For example, when someone is in the 30s, are very likely to enjoy the read, work with the industrious and aggressive but berkejaran with consumptive lifestyle that grapple with a credit card bill into retirement at the age of around 50-an, someone usually are working hard to ensure have enough money to continue his life after not working, looking for safe okay!
In this time, let's review some key financial decision-key in each of the stages of human life - which I think we need to understand carefully. Learn things, aims to ease the financial decision-making, what we need to do and what should we do not related to the money from every phase of our lives. More than, the benefits are not just only add to the knowledge of our own, but also help to understand the needs and views of other people financially, in accordance with the age.
Because it is important for us to put ourselves in a position other people financially. For a financial decision that can rarely stand on their own, whether you are single or married, or you have dependents or the fact that you covered. Always have influence and interests of other people inside.
Primary School age to graduate with universities in the S1 age 20s
At the age of 0 to 18 years, most people are still in primary school education and all living costs borne by parents. "Life is beautiful, with no Responsibilities what so ever .. "It's about someone's picture on the life of children and teenagers, they. Only, not in reality if the environment associated with the money. You know how the superannuate a school first, the difficulty ask for money in the parents. No.
When the universities, most of you may still be in biayai parents, but the influence of friends, or follow the trend mungkian is also forced many of you even have to work part-time search for additional fee for additional study. With the rise of course fee, transportation and books, it is difficult if you must rely on parents.
Moreover, money alone, seem more cool & Stop. Menntukan more free options in the money spent, also a treat parents and friends can be so proud of him. The movie can share time with the lecture schedule that must be resolved immediately, then work part time or try to get their own money while studying to be done, of course. Working while studying to utilize the spare time with positive, of course, we can be a little more practice what is learned in school,
In the age of 20s
You may also want to continue school as the desire to learn also still mengebu-gebu. Fortunately, if parents can help you pay the cost of education, but most likely the parents can not help too much for the continued education after higher education or advanced learning, which is equivalent far more expensive than basic education in the elementary school to high school. So to pay for the cost of further education are likely to be cultivated their own. Can also try to get scholarships to sponsor the cost of your education. As if you want to take a loan with the purpose of paying the cost of education, the burden of the cost of education and consequently become more severe, because you also pay interest repayments. Only if you believe that the benefits far greater than the money spent, then spent more to continue your school can be done. Conversely, if only as a driven desire to get prestigious stamp without further efforts to replace the money was exhausted, then education may be a hobby or recreation facilities that are too expensive in terms of money, time and energy that have been sacrificed.
Ingatkah you still get a salary during that first? Your income is not too great at this time because it can start to build shopping habits with the way the money in accordance with the budget that have been planned.
At the time this person is usually still lay inert, but diligent shopping. However seberapapun your income, usahakanlah to be put aside money regularly from your income each month. Make sure that you have savings in the bank, with its comfortable facilities, complete with low administrative cost savings that compete with interest. Pisahkanlah savings account with the account of salary,
Try to establish a number of reserve funds, the amount of funds to pay for intentionally disisihkan EXPENDITURES sudden nature of the emergency. In this age need not reserve fund is too large enough so that suggests a 1-time expenditures There are monthly. You can place a reserve fund account in a savings account
Start thinking about preparation for retirement, although still far from the fire is still long alias once you retired, there was not already start preparing from now. There was no word too fast and too early to prepare for retirement. If the company where you work has its own pension program Daan, style, or you bsia Jamsostek following the retirement program from the government purchase programs or pension funds that are offered keuanga other institutions such as banks and insurance companies
Do not buy life insurance if you do not have dependents or debt that no exception should be dicover, but to consider taking health insurance if the company where you work mencover no cost.
In the 30s
At this time you may have already married. Because of the need to once mencover your income with life insurance, especially if you already have a child. Do not until you leave a family experienced a financial hardship that is too severe because you died too quickly
With children, it is time to prepare funds for education of children. You can prepare the way lay in the education savings, insurance, education or take in other investment products.
Consider also to take health insurance, a more complete, such as insurance mencover the risk of accidents, critical illness, permanent disability due to accident, or the risk of other health-risko not dicover by the health benefits of your company
Do not forget to mencover your property with insurance such as insurance, fire insurance vehicles also
Make sure you take down the house installment credit or KPR, which is not too burdensome you. Sediakanlah time to compare offers KPR between a bank with a lazy and do not hunt for your ideal home, according to the budget between the desire.
If you already have a number of property, a letter of elvish. Making a letter of elvish actually easy and not expensive, but not because people do not know how. Even very important that families do not fight the abandoned property inheritance, but also facilitate berbgai affairs administration for couples and children. Should ask a friend to a specialist or notaries who are experienced in the letter of elvish make.
Evaluation continues retirement program that you follow, make sure that the return has provided a number of investment that you expect.
If you still wrestle with a credit card bill, try to control your lifestyle and gradually lunasi any bills the debt. Most do not seek ways to how you can pay this debt repayments with the most inexpensive way.
Add your knowledge and experience in investing, disposed creative and start investing outside the bank's products. Look also with the low-cost investment, the investment deposit that is flexible, easily accessible, taxes, even if a small can be tax-free, and the liquid.
In an 40-usa
Try to increase the deposit savings and investment each year, especially the preparation for retirement. Make sure the deposit savings and investment always rise with the increase your income. Every time you get a better form of critical bonus or THR, sisihkanlah first to add your investment.
Evaluation again the sum total life insurance that you take, whether the amount is already in accordance with the needs for mengcover risk losing revenue. If the cost of your family life has changed, up or down, so should the amount of money insurance life insurance also adjusted
Make sure that your repayments KPR still running in accordance with the schedule, save all evidence of payment of the balance following note from the last KPR your debt. If interest rates rise tribe, and therefore the number of installments to be too heavy, you may consider to extend the time period.
Conversely, if lucky you have a number of funds that is large enough, can be considered to repayment of part or KPR seluruhnys of the remaining balance of KPR now. Doing this can make you save interest payment KPR, and accelerate the repayment time.
At age 50-an
Finally, before retirement, there is a good balance of your retirement mengatahui your last, so do the evaluation and revision, if the funds were still far from the target,
Review all of your investment, if your investment is almost all high-risk iversifikasi Japan and the proporsinal allocated to the investment risk is lower,
Note that when the last installment KPR and make sure that the KPR installment payment is complete before you retired,
Consider the experience for health insurance, old age, the mengcover costs of health care and in-patient at the hospital that happens. Health insurance, old age or longterm care insurance benefitnya this should be enjoyed at the time of retirement until your whole life,
At retirement age, 55 or 60-an
This is the time to claim the funds from pension retirement program that you follow this. Followed by pension funds from the company where you work, usually will provide a total of all pension funds in seklaigus front, so selanjut you live mengemabil accordance with the needs of each month, and the rest menginvesatsikan to continue growing into investment instruments that are not terelu risk to give an opinion namaun can be fixed with equal interest. If you mengiktui retirement program that diselenggrakan Jamsostek, all claim to government agencies this. You can get two options, whether taken at once can pick it up or monthly as salary. If you took some time to change job, but the retirement program in Jamsostek company previously not your claim, but it is a new start, do not linger utnuk claim Maybe they had to be the retirement program offered by the bank or insurance company. Do not be ashamed to claim only because the money does not feel how. For a little or a lot of time on this amount regardless of age will be very meaningful. Maximize all your assets to be unemployed can generate income for you. For example, if you have land, buildings or kendaaraan the unemployed, you can organize mungkina get rental income from these assets. Be careful on the high-risk investment, the character that fluctuate less likely to match the age and your health. Check back whether you will have as you want, make changes if necessary. Make sure you and your partner take the children to know about the letter of elvish, to consider a number of funds set aside cash to prepare for the death of the funds for you and your partner. It does not sound very pleasant also menakutan, but this action will help families that can not be abandoned despite the grief of those who love you that you have to leave
Source: Danareksa.com

Motivation to Work

WHY STILL WORK?

"Take the work you love, and you will not (feel) working lifetime."
~ Harvey Mackay

"Some people crave to become a major highway to be rich to financial freedom, no longer have to work for menafkahi family life. They want to stop working, if possible in the younger age pension. Then, why some people are very rich in fact still diligently working hard? "Ask my friend to some.

Charles Schwab, a legendary figure in the steel industry in the United States, once said, "Anyone who does not work for the love on the job, but only to get the money only, then the work will not generate money or happiness in life." He may be right. Various studies on the rich shows that most rich people choose jobs and the preferred dicintainya. Although their early involvement in work or business because it can also "forced" or "accidental", but then they are able to foster a love of the business and work it. This makes them survive the business or the same job for many years, learned carefully, to become experts in the matter.
As the experience of Martin J. Grunder, Jr. a businessman in Dayton, Ohio, United States. Since the teenagers he is very interested in the matter of cut grass and up the yard behind the house parents and relatives in Southern Ohio. Then, when the study began, he decided to establish the company's first Grunder Landscaping Company. When capital is a lawn mower at 25 U.S. dollars purchased from the store flea (used goods). During the first five years, not business experiencing growth, which means that, even akuntannya suggest that he only close the business. However, Grunder continue forward. In the course last year, the company has Grunder worth 300,000 dollars and the story was published in The New York Times. And, in 2003 Grunder Landscaping has more than 40 professional employees with annual earnings of 3 million dollars. He received no less than 30 awards both local and national business on the practices. And the most interesting is that he affirmatively said, "... I really love my job, and my objection to wake every morning and go to work. ... I always love my job. What I do is things that I love, so easy for me to go forward. "
Choosing to do what disukainya indeed, it is the red thread that also will find when we read the biography of the super-rich from the Dotcom industry, such as Bill Gates, Larry Allison, Jeff Bezos, Steve Jobs, and Michael Dell. They love what they do, and therefore they do with gegap gempita. Obstruction and obstacles tend to be the trigger passion, a challenge invite to ditaklukkan. Between "work" with "play" to be distinguished difficult. However, that is also very important is they can make the job of interest that bring profits and extraordinary income for himself.
In Indonesia, if we want to discuss the matter of industrial medicine, Meet Irwan Hidayat popularize the jargon "People drink smart decline wind." We will immediately feel that it is love that digelutinya the world. With fluent, he said history will entertain the world, the challenges in the past and currently, and a number of plans that want to do it immediately. Or, listen to what is often discussed by the kind of successful businessman Oetama Jakob, the founder and leader Kompas Gramedia Group. We will soon know why they maintain persistent questions about the business in the print media, book shops, printing, publishing, television, hospitality, and a number of other businesses that sustain the process of conservation and development of the Indonesian culture. And, when we learn gait businessman named Djoenaidi Joesoef, founder and owner of the business groups Konimex, we also know that he will love the field since kefarmasian still very young. He was involved in the process of preparing a number of medicines that became very popular in this country.
Thus the rich, especially the first-generation is the founder and owner of well-reach reliability of the financial sector since taken a job they love, seriously. Initially there who feel "forced", or just a "coincidence", but there are also choose to intentionally and knowingly. What I originally was not important. What is important is to foster their successful work and devotion to the business ditekuninya. And the love that they do not make big objection to this weekend. Happy with their hard work throughout the day for many years (actually they did not feel "hard work", because that is what is "popular"). And also delighted with them reap the fruits of the work in the severity of skin exceptional richness.
So, why the people who are very rich feast, just like still working hard? Because they love their jobs. Because the job is to provide the joy of living for himself. Because, the work has become a habitus, become part of the life breath. Because the work that they consider noble. Because, they no longer work to earn money, but to get the things that can not be purchased with money (love, glory, honor, etc.).
Oprah Winfrey, women, black leather most rich and most influential that, once said, "If you have to find a job that you do not return even greater, then you are in the road to success." It?

Be Careful Trap Consumerism

Truly exceptional promotions and advertising products offered by the companies at this time. Commercial products from food / beverage, automotive, telecommunications, computer, etc.. Any bid is very tantalize and jelly when we can not trap us in the culture of consumerism, which later of course impact on the financial condition of our family.
To see that each of us or are interested in a product, then we should already be called wise, based on the principles of family financial management, such as:
Are we just WANT or NEED these products. We must be honest and know to differentiate the products will be purchased, it is because we WANT or NEED. I just want this means that the desires of our play, it means that we need the product is intended functions that support the productivity of our economy. For example, what we want to buy HandPhone (HP) already supports 3G, and we very rarely use these facilities means that this is only the desire and means that the waste. But facilities such as 3G can help us in talking face to face with a client in the purchase of HP's trip is to be very positive. Therefore, from now-versed cleverly hone our hearts to be able to distinguish where the desire and needs. When you can not, call a husband / wife for help edited.
Whether the purchase is included in budget of the Family? Now, the place where the location of our discipline in the run budget of the family tested. When the products that we will have to buy the actual entrance to budget of the Family here is not a problem. But if the problem is not budget of the Family, because of swelling occurs automatically and this could be the posts of the other. My advice when entering budget of the Family not wait for the patient budgeted in the period / next month.
By the way what the product is paid, cash or credit, and other reasons. When you are sure to want to buy these products, the next step is selecting the appropriate method of payment in cash or credit. Advice I should use the tools of cash to buy the products or the consumption of economic value tends to decrease. Because we buy by credit (for example, use a credit card), then we must increase the interest payment, which means that this add expenses and we are not comparable with products that hold down the value.
But the most astute solution of the problem is, should not also spend money to buy the product consumption (outside of basic needs, too ...) the results of the salary with the money we work. Try waiting for the results of our profit from the investment that we do, for example rent money from the house, shop, business results, etc.. With the purchase of the product is not a result of sweat from our work as employees / officials, but the results from the business / investment work hard to buy our product. ... Not smart????

Business Motivation

While you do not have the goose laying the golden machine or money (money machine), then you own that must be a money machine. How is your income does not guarantee that you will live comfortably in the future. Because, not the money that you generate that will save you money but you have seen or store that role. Four Reasons Why People Not Saving Many reasons why the individual or family must save, but for most people, there are four reasons why they do not do this.
1. Because careers are uphill, then you think that you will get more money later, so do not need to start to save.
2. You feel that your life now, and it is very difficult to save and limit your desire.
3. You think that savings is not too important, and you think that you can not change your financial.
4. You think that the savings will not produce anything with low interest rates and high inflation.

Make You Rich, Saving, Not Your Revenue

No one becomes rich only because of their income. Property becomes evident when you save or set aside funds every month and invested. Many people think that, by sparing us less logical, "If only I generate more then all circumstances will be better." Reality, with the increased revenue will always complemented by increased standard of living or lifestyle. So you will still need almost all of the monthly income that you get with hard work. Indeed, if the individual or family plan failed to save (saving plan), they will only increase the debt.
When you get a promotion with the standard of living you have to buy a new car that you present positions. with the new car loan. debt. Then, you think the position now so I have to buy urmha the better. So you decide to return debt. You can generate a large income but with the pattern followed by shopping or habits that are less good, or add up the debt. Because our society today, especially urban society is very materialistic. They see what you wear or use. Rather what you do for yourself and family and of course to the wider community more (environment).
It is not true when you think that wealth will come by itself because of your income and maintain the financial behavior. You must be changed for the better and more responsible. In connection with the financing, many people think that he can make the mistake of using all of their income for the purpose of the monthly and will membetulkannya when incomes rise.
So, you really believe that with a high income you will change your financial situation in the future. We believe, that it will never happen when you prilaku the money never changed. Do not spend all of your monthly income. And investasikan aside for the future.
So, can be concluded if you want to be rich (in the means of material) in the future two things, and only two things that you must change and improve. First is the change you prilaku of money or changes in yourself. Second is to increase the percentage of savings compared with total revenue.

Saving can be fun and Very Easy to Do

It is you should start to save. Many people in a failed savings and still do because they impose themselves with the needs of every month. They cut spending a little here and there. Although it has been fixed they can only set aside a little each month.
There may be a good idea when you change scenarios. When you learn to pay other people first, not yourself. You pay the baker when you buy bread, you pay a subscription hair cutter when you finish up your hair. but the question, when you pay for yourself?
So, is sebaiknyalah you pay for yourself before you pay for other people. According to sparing us, there is a way in which you can pay for your own self, with 10 percent set aside from the monthly income each month in the future. Do not use after you for a month or what is left but you must menyisihkannya in advance.
With 10 percent of which you pay for yourself, then you will keep laying the golden goose that will make you rich. And the remaining 90 percent that you use to pay for other people. You will not feel the changes, which means the level of your life with a 10 percent cut of the revenue in advance.
With time running you will not feel that you have already cut 10 percent of your income. You may find it difficult to believe. But, when you do it properly then you will benefit from the action that you do.

Source: M. paper Ichsan, Bina Nusantara University Lecturers and also financial planners