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
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