Achieve prosperity become the dream of all people. Certainly requires hard work and smart, which must be done continuously. How? One-one way is to save money, ie with delayed gratification in the present moment to a larger purpose in the future.
Where does the source of funds for these savings? Of course, from take-home income each month. Monthly income is often only able to meet the monthly needs, instead often out in the middle months. This is what often occurs in young families § ¡¡¨ because generally they still need a lot of short-term needs. Like, cars and homes.
We have a lot of cheap credit interest rate offered by the financial sector. all this encourages people to shop with debt. Debt, not all bad. But taking debt without careful planning can result in bad effect on family finances.
Two main income source
Well talking about saving money, there are two sources of income we can get, the first is with us to work every day for a month we will earn the man at work. Or the second, money at work, where money or capital that you have collected the work and generate income.
Of course only, if we work to provide our services to generate revenue. The more expert a person, generally the greater the income. But have we thought, what makes us get up every morning, got into the car and get to work? Mostly, the goal is to earn enough to pay all of your needs and if there is left, can be used for fun as holidays, clothes and others.
Unfortunately, there is no way for the workers or employees to be able to live well just working and getting paid. Taxes and inflation, two of the first things that undermined the monthly income. Needs and desires of short-term, usually a top priority. Which in turn is felt that the monthly income is insufficient dipeoleh. To be able to live in prosperity of all time, the only way is to find a way to be set aside as the monthly income to build a capital (capital). So for you who work or become an employee, the solution to build wealth is to convert monthly income to be capitalized with it aside as regularly.
Now, start building a capital will provide another potential pendatan of capital invested. This is called the "money at work ¨. Where is the money you set aside and invested to work hard to provide income to you.
Suppose you put the investment in stocks. Surely if the company performs well, it is generally the end of the year they will distribute dividends to shareholders. In line with the profits, stock prices have also increased. This could provide potential benefits in terms of stock price increases. But of course, it can also move the opposite direction, where the company experienced losses. As an investor not only are you not getting the benefits ebrupa dividends, but also must accept the fall in stock prices in the market.
Or you invest in property. Property also provides dividends, in the form of rent. Surely if the rent can cover all the expenses needed then this property of positive earnings. On the other hand if it needs more than the fixed rent that the property still needs funds to cover it from other revenue sources.
Of course, no one can invest with the idea of losing money. But a lot happened is a loss due to lack of planning and consideration of liquidity needs.
Constraints mengapai welfare
At least four major obstacles that make people fail to create a prosperous life as they expect, namely: the habit of procrastination, habits of uncontrolled spending, taxes and inflation.
Two factors could be called the end or external factors relating to social and economic conditions of a country. Not many people can affect the rate of inflation and dealt with the issue of taxation in a country. This is influenced by many complex factors, even beyond the ability of a government because of the relationships in scale until the international regional-global. Which might be performed by individuals in overcoming this is to anticipate the various possibilities that will come up with interesting lessons from past history. This means that, although inflation and taxes we can not control, but we still can determine the personal attitudes toward these things.
While the first two points is more a matter of personal / private or can also be said that the first two barriers are internal factors.
Internal factors must be addressed and resolved at the personal level. Attitude procrastinator financial planning, is the main factor not achieved prosperous life in the future. Financial planning to postpone the costs of preparing the children's education, for example, can have a bad impact when viewed in the long run. As a result, the children who we love just might lose the opportunity to enjoy the learning process in the institutions of good quality due to limited funds.
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