Monthly salary is often confused up no trace, even still the middle of the month we've cried out salaries. You might argue that everything is expensive and salaries are not enough to cover monthly expenses.
Eits wait, do-do all of that because you are good at managing your finances and may also be influenced by an extravagant lifestyle. In fact, if you remember your previous salary is less than enough now anyway-enough alone.
In order for this custom is not continuous and harm you, here are some tips to manage your payroll:
Saving first, do not wait for the rest
Most people save money when the rest of the salary is low, this is wrong thinking. Start now to put aside your salary according to the ability to save. You can open a new account without using ATM or join recana savings program that is in almost every bank.
Budgeting is a necessity
Beginning of each month you have to make a neat to pengeluaranmu budgeting can be controlled. Separate obligations such as debt and mortgage. For insurance and savings must also have a separate portion
Discipline in financial planning
If you are planning your finances and you should be disciplined. If the quota for the fun is over do not force myself to take portion of other expense items.
Spending within your means
Shop according to the money you've got this month, not by how much money or bonus you would get at a later date. Remember, do not spend money for purposes not important and hope to earn some extra cash afterwards.
Limit use of credit cards
Do not have more than two credit cards in your wallet if you can not control its use. Use a credit card wisely so that you are not overwhelmed when paid. Complete all credit card payments and other debts, as soon as you pay to enter.
Do not dismiss a dime
You would often receive a refund from the supermarket or after eating at the restaurant. Deh try to keep it in a special wallet, loose change you can use to pay for parking, buy a snack or can be used to buy small unexpected needs.
Create a reserve fund
Reserve fund is very important you know to anticipate the unforeseen needs such as invitation, buy gifts or simply replace the damaged tires.
Investment
Invest your salary by following the insurance, mutual funds or deposit play money to be withdrawn as agreed. This way you save the same as discipline.
Well right now already know how to manage payroll, try to practice it and good luck!
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