No one is capable of rich in a short time. All the necessary processes and can not be achieved in a long time. For that you have to really understand how you organize your monthly expenses.
1. Do not have money for emergencies
Ideally, every person or family has an emergency fund in the amount of at least 3-6 months of income or expenditure principal each month.
However, with inflation kept rising and resulted in basic materials also soared, so these funds can be more difficult to obtain.
2. Only paying the minimum on your credit card
Make a credit card holder, their facilities minimum pay credit card bills can be beneficial, but also may wreck. Bank offers to pay the minimum monthly credit card bill is not without conditions.
If we are lulled by this facility and used to pay the minimum bill amount listed on your statement each month, might we indebted berjibun.
You see, the interest charged will be multiplied, from month to month, depending on the value of transactions which have not been repaid.
3. Noting expenditure
It is important for mom to record expenses for record all expenses, whether small or large expenditures.
Not only the big expenses, even small expenses should not fail to note. This is important so you can find out where the money. By doing so, the budget deficit for the next month can be avoided.
4. Do not have a clear picture of spending
If you still do not understand very well about where your spending everyday means you do not understand the money you have.
5. Do not have a plan to pay debts
If you have debts then you may also have a desire to settle the debt. If you really have a desire to pay off your debts, then it should really do is take the appropriate action to settle everything.
After paying off debt, then you will really get to spend life in a state of calm and free of debt.