Playing Budget
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It's not a time being consumer impulsive. Understand the budgeting management principles, in order not to regret it later.
Maybe we remember when Rebecca Bloomwood (Becky) was being chased debt collector named Derek Smeath in the film Confessions of a Shopaholic (2009). In that story, Becky finally beat the shopping enthusiast egotism and held a garage sale to sale her stuff collection for free from credit card debt.
In real life, similar things easily found around us. This is the story of a private bank employee to share her experience. "In the past I've had 13 credit cards from different banks. And it has credit plafond reach to $ 800 ", she said.
Without conscious, ease of transactions by credit card made her turn to shopaholic. As a result bills soaring. "Finally my husband and I agreed to pay off and close all credit card and do not have any," she said. She learned a lot from bad experience. Now he is really just rely on earned income to meet household needs.
The experience of two people above tell us about errors in financial management. To avoid conceding a budget, it takes a comprehensive financial planning. In the opinion of most financial planners, basically manage the family budget is not difficult.
Monthly budget usually consists of 25% - 40% of income per month for living expenses, 30% to pay the mortgage or debt, 10% - 20% for transportation and the remainder allocated for investment or leisure needs.
But in practice, often found the biggest budget actually spent on the needs of leisure or lifestyle, such as entertainment, shopping or sightseeing.
The budget for the needs of leisure time will attract each other with our investment. One must choose how the remaining portion of the total revenue budget will be spent for the needs of leisure and the portion for investment.
To that end, each person will be different policies when spending lifestyle needs with investment needs. Most importantly, do not sacrifice long-term nature of investments with a desire to meet the needs of a temporary spare time.
Lifestyle needs has been attached to urban life. It is advisable to place more emphasis spending lifestyle as an investment. You can restrain spending for the sake of a better buy, mesikipun price is higher.
The reason, with a pattern like this would actually be useful to control myself so as not to need to shop every month. Anyway, for some particular fashion brands particularly upscale brands like Louis Vuitton, Hermes and Chanel, only scar product (second hand) can still be sold for 80% of new price. When bored with these products, you can still sell it back at a price that is still high. It's called spending as an investment.
But this does not apply when you are shopping for electronic products or gadgets that interfere with the budget setting. Make sure you buy it because the needs and functions, not just the pursuit of prestige. Better to buy products with the latest technology gadgets but durable up to a maximum period of use.
For example, you better buy a smartphone with the latest technology at a price that is more expensive, but you sure can use it in krun three years. For electronic products or gadgets will not apply the principle of spending is an investment. Technological developments that continue to drive, of course, will quickly erode its value. (*)
Maybe we remember when Rebecca Bloomwood (Becky) was being chased debt collector named Derek Smeath in the film Confessions of a Shopaholic (2009). In that story, Becky finally beat the shopping enthusiast egotism and held a garage sale to sale her stuff collection for free from credit card debt.
In real life, similar things easily found around us. This is the story of a private bank employee to share her experience. "In the past I've had 13 credit cards from different banks. And it has credit plafond reach to $ 800 ", she said.
Without conscious, ease of transactions by credit card made her turn to shopaholic. As a result bills soaring. "Finally my husband and I agreed to pay off and close all credit card and do not have any," she said. She learned a lot from bad experience. Now he is really just rely on earned income to meet household needs.
On budgetary discipline
Monthly budget usually consists of 25% - 40% of income per month for living expenses, 30% to pay the mortgage or debt, 10% - 20% for transportation and the remainder allocated for investment or leisure needs.
But in practice, often found the biggest budget actually spent on the needs of leisure or lifestyle, such as entertainment, shopping or sightseeing.
The budget for the needs of leisure time will attract each other with our investment. One must choose how the remaining portion of the total revenue budget will be spent for the needs of leisure and the portion for investment.
To that end, each person will be different policies when spending lifestyle needs with investment needs. Most importantly, do not sacrifice long-term nature of investments with a desire to meet the needs of a temporary spare time.
Choose the Best
The reason, with a pattern like this would actually be useful to control myself so as not to need to shop every month. Anyway, for some particular fashion brands particularly upscale brands like Louis Vuitton, Hermes and Chanel, only scar product (second hand) can still be sold for 80% of new price. When bored with these products, you can still sell it back at a price that is still high. It's called spending as an investment.
But this does not apply when you are shopping for electronic products or gadgets that interfere with the budget setting. Make sure you buy it because the needs and functions, not just the pursuit of prestige. Better to buy products with the latest technology gadgets but durable up to a maximum period of use.
For example, you better buy a smartphone with the latest technology at a price that is more expensive, but you sure can use it in krun three years. For electronic products or gadgets will not apply the principle of spending is an investment. Technological developments that continue to drive, of course, will quickly erode its value. (*)
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