Your lifestyle equals your money!

Now let us manage your expenses well. Expenditure we divided into four major categories: investment or savings, installment debts, expenses and routine personal expenses.

Investment or savings
Whatever your income, you should be set aside at least 10% of your earnings for the future. One easy way is to create a separate account. A bank account to receive salary, savings account B to separate. When you receive a salary at 25, make sure that on 26 you have to transfer from account A to account B.

Installment debt
Debt are not forbidden in financial planning. But you need to be careful when choosing how much. Make sure you are free from credit card debt. You can use a credit card at will, but always pay off his bills at maturity. If you want the debt, note the use of the goods in akan Cicil. Buy a car for three years and mencicilnya for three years, certainly reasonable. But on holiday for 1 week and its installments for 3 months, it does not make sense!

ROUTINE EXPENDITURES
This is the expenditure that we can not ignore. Like any lifestyle, you still have a certain expenditure. Routine expenditure will not be too big if you still own. But when you have him, the routine you can become a burden too big. Expenditure including this routine household expenses, salaries parlormaid, transportation costs and the cost of school children.

PERSONAL EXPENDITURES
Believe it or not, this is the time expenditure that often break down our defense. This private expenditure is expenditure that lifestyle completely comfortable in life. But if we do not have the time, we do not actually live akan susah. I already like this. Let’s make a choice. Selection is skimpy. You do not need to necessarily change the total lifestyle. At least to get started, you can check one by one over expenditure. This way you can see where you actually need to spend, can dikurangin or even very important. Lifestyle changes must come from themselves. Your lifestyle equals your money!

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