Mistake we treat as waste of money, out sweet sepah removed. Evidence we are rarely satisfied with the money, and often regretted. If you do not complain because it is less, because the result is surely not visible unless the pile of goods shopping and batch financial problems.
Try to see your food fast food in the refrigerator that must be discarded, since the clothes have never purchased or used the les expensive children are not up to the actual range of investment speculation.
What's wrong with the way we shop? Is saving way out? Clear that it is not possible not to shop, although I agree with the savings provided that does not make you tight-fisted or stingy person.
In fact the way we shop can make a variety of our income back. To do this is to make shopping through productive spending priorities. To do so starting from the most important in financial planning: shopping.
Expenditure we will always pair with income, because of which we can then remove reap the results. But most people have a certain that it is not possible without spending any money.
I think that this way of approach is less appropriate. Just imagine, how you may be able to get the investment if you do not have to pay first for the investment.
Use of money
Shopping becomes an event that is very important, because it is not merely activities but spend more money to use. There is a similarity between the money and spend money, but there are also large differences between the two.
The first will make you grow rich, while the second makes you poor. The concept here, the use of money should beautify your life, not bothersome. In fact, the money we use every day, it always remains strange feeling not having money. Perginya to where the money is?
There may be fixed in the savings, deposits, mutual funds, a monthly expense, electricity, cable TV, fitness exercises fees, gasoline, clothes and the latest model. Perhaps most of the installment to pay for a house, car or credit card.
Nothing wrong with spending that, even in expenditure should be to support a quality of life. Problems will appear if the expenditure was excessive, deficiency, and not proportional.
A criterion of productive activities is the use of the money which resulted in a value-added to the cost of balance. With this approach, the shopping is done in the framework of investment, not a burden or cost.
How to shopping
The expenditure productive in practice implemented through budgetary priorities. Most people is a mistake to pay too much spending on the most can be minimized. Otherwise too small to spend that should be most dimaksimalkan.
Following budget priorities.
First, the savings and investment, as it is can not be delayed and should have. Although it will be used in the future, but the allocations must be made now.
Savings and investment is very useful in the future when old age, physical and earnings can not afford more sustain your lifestyle. Delay and a reduction in quota of savings and investment will only increase the costs of your life later.
So that investment spending does not culminate to the speculation that you create losers, then the purchase must also invest carefully selected with the risk that can be tolerated.
Second, the expenditure is debt repayments, which means we use the money to pay off debts. Debtor in the first place we have an obligation to make, but if used properly can help us have the assets.
Assets that can be managed if the money back. Nah, this is the purchase of assets that are not always accessible by anyone with the funds tunainya at once. The existence of this debt that functions as the financing of limited funds.
Thus shopping utangpun have two sides. With the debt you may have assets that can generate money back, but if the use of less precise you can make even poor.
Third, is the insurance shopping. Unexpected expenses due to natural disaster and is not expected to happen, but we must be ready to face.
Does not make sure that this is not flexible, in the insurance where the financial result of this uncertainty. For that first we spent the money to pay the premium.
If at a later time occurred at risk, then no form of income insurance that money can be used utnuk reduce these financial losses. Be careful, the reluctance of insurance for those who need it will result in a financial loss greater. While the purchase does not cause excessive fully protected but you turned on the waste.
Fourth, is the shopping needs and pemuasan lifestyle such as food, clothing, transportation, communication, education, entertainment and others. Are now or the present time and good amount of time and can be estimated with a wide range of shopping needs of life is very diverse.
For example, if you can not afford to buy a car you can take a taxi or public vehicle with a more economic benefits are more or less the same, but different levels of comfort.
From the fourth priority, the most possible to the adjustments in order to do so with the savings is a priority of the number four terbawah then up to the next.
Finally, the concept of shopping is a productive framework for thinking that placing money as a tool to achieve the goal, not something removed.
Try to see your food fast food in the refrigerator that must be discarded, since the clothes have never purchased or used the les expensive children are not up to the actual range of investment speculation.
What's wrong with the way we shop? Is saving way out? Clear that it is not possible not to shop, although I agree with the savings provided that does not make you tight-fisted or stingy person.
In fact the way we shop can make a variety of our income back. To do this is to make shopping through productive spending priorities. To do so starting from the most important in financial planning: shopping.
Expenditure we will always pair with income, because of which we can then remove reap the results. But most people have a certain that it is not possible without spending any money.
I think that this way of approach is less appropriate. Just imagine, how you may be able to get the investment if you do not have to pay first for the investment.
Use of money
Shopping becomes an event that is very important, because it is not merely activities but spend more money to use. There is a similarity between the money and spend money, but there are also large differences between the two.
The first will make you grow rich, while the second makes you poor. The concept here, the use of money should beautify your life, not bothersome. In fact, the money we use every day, it always remains strange feeling not having money. Perginya to where the money is?
There may be fixed in the savings, deposits, mutual funds, a monthly expense, electricity, cable TV, fitness exercises fees, gasoline, clothes and the latest model. Perhaps most of the installment to pay for a house, car or credit card.
Nothing wrong with spending that, even in expenditure should be to support a quality of life. Problems will appear if the expenditure was excessive, deficiency, and not proportional.
A criterion of productive activities is the use of the money which resulted in a value-added to the cost of balance. With this approach, the shopping is done in the framework of investment, not a burden or cost.
How to shopping
The expenditure productive in practice implemented through budgetary priorities. Most people is a mistake to pay too much spending on the most can be minimized. Otherwise too small to spend that should be most dimaksimalkan.
Following budget priorities.
First, the savings and investment, as it is can not be delayed and should have. Although it will be used in the future, but the allocations must be made now.
Savings and investment is very useful in the future when old age, physical and earnings can not afford more sustain your lifestyle. Delay and a reduction in quota of savings and investment will only increase the costs of your life later.
So that investment spending does not culminate to the speculation that you create losers, then the purchase must also invest carefully selected with the risk that can be tolerated.
Second, the expenditure is debt repayments, which means we use the money to pay off debts. Debtor in the first place we have an obligation to make, but if used properly can help us have the assets.
Assets that can be managed if the money back. Nah, this is the purchase of assets that are not always accessible by anyone with the funds tunainya at once. The existence of this debt that functions as the financing of limited funds.
Thus shopping utangpun have two sides. With the debt you may have assets that can generate money back, but if the use of less precise you can make even poor.
Third, is the insurance shopping. Unexpected expenses due to natural disaster and is not expected to happen, but we must be ready to face.
Does not make sure that this is not flexible, in the insurance where the financial result of this uncertainty. For that first we spent the money to pay the premium.
If at a later time occurred at risk, then no form of income insurance that money can be used utnuk reduce these financial losses. Be careful, the reluctance of insurance for those who need it will result in a financial loss greater. While the purchase does not cause excessive fully protected but you turned on the waste.
Fourth, is the shopping needs and pemuasan lifestyle such as food, clothing, transportation, communication, education, entertainment and others. Are now or the present time and good amount of time and can be estimated with a wide range of shopping needs of life is very diverse.
For example, if you can not afford to buy a car you can take a taxi or public vehicle with a more economic benefits are more or less the same, but different levels of comfort.
From the fourth priority, the most possible to the adjustments in order to do so with the savings is a priority of the number four terbawah then up to the next.
Finally, the concept of shopping is a productive framework for thinking that placing money as a tool to achieve the goal, not something removed.
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