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
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