"Shop only when there is more money."

Within households, women more often act as treasurer. This is consistent with the notion that women are more intelligent "holding" money. True?

Maybe not always true. Many women who are extravagant, so that whatever money into their accounts, will run out just like that. Nothing less applies to those who (... See Selengkapnyapria and women) who have high income, but have no savings at all.

For this reason, financial planners Ligwina Hananto stressed the importance of good money habits for us to run. Habits good use of money, as submitted Ligwina in talk show "Smart & Amazing Financial Plan," which was held at Pacific Place Femina magazine, Sunday (09/05/2010), then, is:

1. Inhibit credit card debt. Credit cards are beneficial, but even if we end up in debt and unable to pay it back, it's better to forget. Never use a credit card, unless we could always pay off our bills, regardless of the amount.

2. Shop for no money. This is still something to do with the statement above. Shop when you have finished your bills or other of your financial obligations every month. When there is no money left, do not necessarily rely on credit cards.

According to the Viennese, each person must also be able to measure their ability. Do not imagine buying an apartment costing hundreds of millions if you have difficulty paying the mortgage. "Buying a house is like a pilgrimage; must have money," said CEO of Quantum Magna Financial is.

3. Switches and activate your money. Common mistakes that we often do is to set aside money to pay various expenses. If still remains, then we save. Vienna suggested to change this habit. First set aside a percentage of your salary to invest, the rest is just used to pay expenses. With investing, your money will continue to be active even develop into many times.

4. Tabunglah amounting to 10 percent. In life, there is always a cost. Moreover, a person's life style to follow his salary. One of Vienna clients even with only leaving USD 500 thousand in his account, from a salary that reached USD 150 million every month. This means that a very small value that can be saved.

Ideally, we need to save as much as 10 percent of our salaries. So if your salary to Rp 5 million, amounting to USD 500 thousand tabunglah. Of course, you can increase the rates if you are able. And, Commit to this.

source: KOMPAS.com
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