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Wednesday, November 01, 2006

Tips to use your income monthly

Hey guys, there is a trick how to handle your money :D
sorry in indonesian :D

Rumus Sakti Penghindar Tekor Tiap Bulan !
Pernah merasa sesak nafas saat mesti membayar sesuatu di tanggal tua? Pertengahan bulan atau hari-hari menjelang gajian memang saat yang kadang-kadang membuat kita pucat bagai telur di ujung tanduk. Ya gimana tidak, dompet sudah tipis masih harus dikorek-korek untuk membayar segala macam tagihan dan pengeluaran. Sebenarnya, kalau Anda mau sedikit berencana di awal bulan, Anda tidak akan ’mati suri’ bila sudah masuk tanggal tua. Agar tak tekor tiap bulan, buat perencanaan keuangan dengan pintar. Hasilnya, meski akhir bulan sudah menjelang, masih ada dana tersedia untuk bersenang-senang!
Pakai rumus sakti : 30 20 30 20! 30% :
Angka ini adalah jumlah maksimal yang boleh Anda gunakan untuk bayar kos atau sewa rumah. Sesuaikan anggaran perumahan dengan gaji yang Anda dapat. Yang penting, jangan melebihi 30% dari total pendapatan Anda. Alangkah baiknya kalau sewa kos bisa jauh lebih rendah dari angka ini.
20% : Untuk jatah tabungan atau investasi. Bisa berupa tabungan tradisional, deposito atau investasi saham dan reksadana. Alternatif lain dari jaman kuda gigit besi : menyimpan dalam bentuk emas!
30% : Modal operasional Anda untuk keperluan sehari-hari. Termasuk dalam budget ini adalah uang makan sehari-hari, keperluan pribadi atau belanja bulanan lainnya. Jangan lupa masukkan juga tagihan kartu kredit dalam pos ini.
20% : Ini adalah budget ekstra untuk keperluan ’hedonis’ Anda. Belanja baju, aksesori, nonton, sewa VCD, beli kaset atau CD, jalan-jalan atau hiburan lainnya. Kalau ada rekan yang menikah atau ulang tahun, budget 20% ini bisa digunakan untuk beli hadiah

Summary in english

with use magic number 30 20 30 20
30% from your total income . Don't use more than 30% from income to pay your room in the boarding house or apartment everymonth.

20% --> use it for investment. u can save it to bank, or buy $ or buy gold, etc.
30% --> can use for everyday needed. (eat, paying credit card, shampoo, soap,etc)
20% --> u can use for your hobby :D

okay that's it.. u can try to your life.
Btw, i never try it, but later i will try it .. it's sounds interesting and maybe i need it to save my money :D

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