Many people have a minus in their finances. Many activities that make their debt before payday comes out so the longer they get entangled in debt. In the metropolis of life, a life of luxury has become a frequently seen.
Lavish lifestyle with no financial management supported by good will make you destroyed, the debt is the impact of lifestyle like this is poor financial management and lavish lifestyle.
Things to be done by employees in order to live comfortably without debt, actually still simple.
Advance the discipline of saving.
After each received a salary, transfer an amount of money that we want (usually 30%) of total payroll, then our new for-for
Even the division should be clear, namely
50% for monthly expenses, 10% to 10% for investment and the desire
So … 100% total salary is divided into 5 parts:
1. 30% SAVING
2. 50% Needs
3. 10% Investment
4. Wants 10%
If you have already have a debt money management and debt do you well, do not let the debt we pass 30% of the total salary, to finish it one by one with a good debt. First priority scale of debt that must be resolved is credit card debt, because debt is paid half for credit card debt and who will have a big interest.
Feel free to send down lifestyle. If expenditures are greater than revenue meals try to save, Start with the most simple way Namely bring their food to the office, where a cheap place Eat
Do not be wasteful, if you usually monthly shopping at the mall, try shopping at the mini market Karna usually shop at the supermarket will give birth to not buy their needs clear.