High price for his attitude procrastinator
For example, suppose Andi currently aged 30 years and plans to spend Rp500 thousand per month until the age of 55 years in retirement insvestasi providing an interest rate of 9% annually. Andi is included so the savings until the age of 55 years, Brenda will have a wealth of riches for more than Rp560 million. But when he decided to postpone the implementation of saving just one year and start at the age of 31 years, so he was 55 years old, he would only earn about Rp506 million.
The delay of one year with a total budget of allowance for Rp6 million, will result in reduced future funding of almost Rp55 million or a total loss for a total of 9 times from regular savings. What if you wait 5, 10 years? what price you pay for this delay habit? Course will be very large.
This disease can affect anyone, both women and men. But before talking about how to handle it, be worthwhile to see if you are overspending virus? Follow the following questions:
• Do you go shopping when feeling angry, disappointed?
• Are you not resist to the mall or department store?
• Are many groceries you buy you never use?
• Do you tend to avoid discussions related to savings and spending?
• Do your shopping habits cause problems with your partner?
• Are you not resistant to various discounts or promotional offers
• If the goods you want is more expensive than expected, whether you will still buy it?
• Do you start reducing other budgets to meet your shopping needs!
• Do you pay for groceries with a credit card even if you do not have the cash?
• Are you including the hard to save money?
• Are you used to spend your annual bonus for your desires?
• Are you shopping luxury goods even though you have accumulated debt?
If you answered yes, at least five questions above, you may have contracted the virus from overspending. If this is a chronic disease it will be very difficult to treat. Because this is related to the habits that you do every day. To change the determination and resilience needed to get out of bad habits out of control spending.
That's why we offer a practical actions that should be done in a systematic savings. How?
During this general pattern of savings done is to save the rest of the family monthly expenditure. had no time anymore to do that pattern. From now on we offer a new pattern of saving and more effective, ie by paying for yourself (saving) the beginning of each monthly earnings.
When you learn to pay others first instead of yourself. You pay the baker if you buy bread, you pay the barber if you subscribed to finish your hair. but the question is, when you pay for yourself?
So you have to pay for sebaiknyalah yourself before you pay for someone else. Do not save after you use the income for a month or what is left but you have to set it aside in advance.
We recommend as a beginning, you save 10% of regular monthly income. 10% of the income will not change the lifestyle you lead. With 10% of your reserve, you will build a capital that ultimately your revenue. But with a pre-requisite that must be held, do not ever take from the funds you set aside for 10% each month for the future.
Such matters relating to the wise saving patterns that you can do and practice in family finances. Hopefully this short review helps you in building the habit of saving to achieve the desired prosperity. Good save!!
Author: Muhammad Ichsan, ChFC, MsFin, is parkitisi and academics in the field of financial planning. He is the Managing Partner and Director of Program PrimaPlanner IFPI, as well as teaching at Ubinus and STAN.
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