Working or not working, a wife will get income from her husband, to manage the household. For that, a wife must also be able to manage household finances. The main way to manage it is to record income and expenses. Actually what is the point?
Usually mothers will answer; Because they want to know the allocation of money for everything and what allocations can be saved. In addition, in order to estimate can save in any form. Even so, not all of them can do it well. The word financial planner, Christian Reinaldo; Data from the Financial Services Authority (OJK) in 2017 is only 17 percent of women who already understand the financial arrangements well. Though the financial management of women is enough to determine the future of the family.
For that, please know the following suggested financial management process:
- Daily Evaluation
Daily financial evaluation is very important. That is to record all expenditures or income that occurred. He also suggested that the recording is done in detail. This is so that you do not behave too extravagantly. To help keep track of regular revenue and expenses, there are many downloads apps that can be downloaded from your phone.
- Financial goals
Then set your financial goals. Suppose you want to buy a car, home, or child's education expenses. It is important to do to keep your spirit in saving or investing. After knowing the financial goals, keep in detail what kind of product you want. In setting up these goals, you are expected to be able to do carefully.
- Saving at the beginning of the payday
The right moment to save it is at the beginning when receiving a salary. This also makes us able to control the need (let alone desire) to survive everyday from the remaining salary money that 30 percent have saved. It's a minimum savings you know, if we feel still need to increase the percentage of saving, yes please.
- Decide alternatives
After defining a goal, try making an alternative way to get it. If the funds are not sufficient if you have to pay the car in full, you can take installments. However, if you decide to install, see first how the DP (Down Payment). Then analyze whether the installment fee and the DP can be covered with your income or savings.
- Investment yuk!
Now many mutual fund products are offered, whether in the form of stocks, money market, mix, fixed income, even sharia. Or conventional ways can also try to invest precious metals. For this investment, usually using funds outside the savings of 30 percent. Just remember, bringing money Rp 300.000 to the mall is also usually once out, so better be useful something, like for investment.
- Annual evaluation
Although the financial arrangements have been done every day, it could not hurt to see the overall financial habits within a period of one year. This should be done at the beginning or end of the year, then compare with last year's finances to see if you become more extravagant or economical then carefully the cause.
- Reduce the use of credit cards
I only use credit cards for certain purposes, such as booking tickets, hotels or meals that have promo. Even if for example the credit card is used, usually I try to pay before the payment time limit. Just to ride passing aja, not as the main transaction medium.
- Discipline
It is hoped that you can apply this financial regulatory process well. According to Christian, one of the temptations of women in managing finance is discount. For that, avoid spending that is not too important just because the goods are being cut prices. Good funding arrangements are also important in order to provide pensions.
- Appreciation for yourself
May be dong already tired of work, then the mother to appreciate yourself by watching, karaoke, eating, or by buying a book or also buy something desired. This form of appreciation varies by choice for everyone. But remember, adjust to the financial condition.
- Do not forget to share
Sharing to others who can not afford must be a duty in every religion. Can be submitted to various institutions that are responsible for distributing aid. Or given directly.