Financial Planning for Women
Financial Planning for Women -- In family life, husband and wife have the functions and roles of each. But for the financial problems, a wife more involved in family finances than husbands. What is the reason? Of course, because most women has a detailed, organized, and thoroughly to organize expenses to the little ones. And, it's being different than the man. Him, do not detailed in focus, sensitive-less about a price. So, role of women, being to big in managing family financial planning.
Unfortunelly, as a wife, her role often in the small things like everyday shopping, payment of electricity, telephone and school children. But if a large business such as buying a house, vehicles, and investment and other financial planning subject, are still dominated by the husband's role.
Why does this happen? Because women tend to be more conservative in investing, is not too happy with the investment in the financial sector, preferring to invest in the form of goods. In addition, women also tend to be more stress when faced with financial problems than men. What are the problems often faced by a woman in managing finances, and how to deal with it?
1. More conservative and choose a physical tangible investment
In selecting investments, most women tend to prefer physical tangible investments such as gold, houses, land, and so forth. Than can be held if there is anything, such investments also seem more real and can be monitored. Actually, heck, this is more due to experience alone. because it has not often interact with financial investment, the investment of this type are considered more risky or less safe. To overcome this, please do not hesitate to learn about the types of financial investment on the market, and start investing little by little.
2. Easily influenced by the assumption and rumor
Women tend to be sensitive to rumors circulating in the vicinity. Though rumors and issues are not necessarily 100% correct there. Moreover, when these rumors come from his own. In fact, issues and rumors coming out of the mouth of a friend would be much more effective to attract a woman rather than a logical explanation of marketing. Rumor would be more interesting than the news, and testimonies will be more interesting than the ads, women's world.
In the investment world, this often traps us in making the wrong decision. Because the name information from mouth to mouth, of course, already distorted, whether intentional or not. And a conduit of information is not necessarily a credible person to convey information about the investment or finance. It's true we can not trust your friends to lie and he is us believe. He probably did not lie, but maybe he's one catch another explanation, or one explain something that is not her area of expertise? Very likely. Therefore, check back all the information coming from people who are not experts. Asked directly to the source of reliable information, and qualified in the field of course.
3. More prone to stress to the financial problems
Although it has advantages in managing financial planning in more detail, it turns out the wife was more easily when faced with financial stress in the household. Perhaps this is because the wife was the one who deal directly with merchants, neighbors, debt collectors and children who felt the direct impact of financial problems. While a husband tends to "show my live" anyway and end the problem is in the hands of his wife.
To get out of this problem do not hesitate to communicate with her husband. Since one of the causes of failure in managing finances is not due to the small income, but in the absence of communication between husband and wife.Often reluctant to tell his wife because of fear of being unable to manage money well. Though not necessarily like it, because the husband does not keep up with rising food prices, it never hurts to "denounce" price increases on the husband.
Although the husband may not be able to give a solution right away, but by telling of the problems faced, would make a wife to be more calm in the face of the problem.
4. Difficult to resist an offer from her friends
Often I have come across cases where a person buys insurance only because his agent is the brother or his own good. And this case is more common in women. First, because apparently women have a greater awareness of their children's education fund in the future so want to make sure the insurance. And the second reason, because it's hard to say no to someone who had a close relationship like a friend or relative.In financial matters, make everything as rational as possible, and avoid emotional decisions or based on mere feelings. Because when we talk of numbers, one plus one should have two.So how in order to reject, or make decisions with logic? Simple tips, you should never make a decision right then and there in front of a marketer, whoever he is. Ask for time to discussing with your husband, or 1-2 days studying the proposals.
Happy make a good financial planning!
Unfortunelly, as a wife, her role often in the small things like everyday shopping, payment of electricity, telephone and school children. But if a large business such as buying a house, vehicles, and investment and other financial planning subject, are still dominated by the husband's role.
Why does this happen? Because women tend to be more conservative in investing, is not too happy with the investment in the financial sector, preferring to invest in the form of goods. In addition, women also tend to be more stress when faced with financial problems than men. What are the problems often faced by a woman in managing finances, and how to deal with it?
1. More conservative and choose a physical tangible investment
In selecting investments, most women tend to prefer physical tangible investments such as gold, houses, land, and so forth. Than can be held if there is anything, such investments also seem more real and can be monitored. Actually, heck, this is more due to experience alone. because it has not often interact with financial investment, the investment of this type are considered more risky or less safe. To overcome this, please do not hesitate to learn about the types of financial investment on the market, and start investing little by little.
2. Easily influenced by the assumption and rumor
Women tend to be sensitive to rumors circulating in the vicinity. Though rumors and issues are not necessarily 100% correct there. Moreover, when these rumors come from his own. In fact, issues and rumors coming out of the mouth of a friend would be much more effective to attract a woman rather than a logical explanation of marketing. Rumor would be more interesting than the news, and testimonies will be more interesting than the ads, women's world.
In the investment world, this often traps us in making the wrong decision. Because the name information from mouth to mouth, of course, already distorted, whether intentional or not. And a conduit of information is not necessarily a credible person to convey information about the investment or finance. It's true we can not trust your friends to lie and he is us believe. He probably did not lie, but maybe he's one catch another explanation, or one explain something that is not her area of expertise? Very likely. Therefore, check back all the information coming from people who are not experts. Asked directly to the source of reliable information, and qualified in the field of course.
3. More prone to stress to the financial problems
Although it has advantages in managing financial planning in more detail, it turns out the wife was more easily when faced with financial stress in the household. Perhaps this is because the wife was the one who deal directly with merchants, neighbors, debt collectors and children who felt the direct impact of financial problems. While a husband tends to "show my live" anyway and end the problem is in the hands of his wife.
To get out of this problem do not hesitate to communicate with her husband. Since one of the causes of failure in managing finances is not due to the small income, but in the absence of communication between husband and wife.Often reluctant to tell his wife because of fear of being unable to manage money well. Though not necessarily like it, because the husband does not keep up with rising food prices, it never hurts to "denounce" price increases on the husband.
4. Difficult to resist an offer from her friends
Often I have come across cases where a person buys insurance only because his agent is the brother or his own good. And this case is more common in women. First, because apparently women have a greater awareness of their children's education fund in the future so want to make sure the insurance. And the second reason, because it's hard to say no to someone who had a close relationship like a friend or relative.In financial matters, make everything as rational as possible, and avoid emotional decisions or based on mere feelings. Because when we talk of numbers, one plus one should have two.So how in order to reject, or make decisions with logic? Simple tips, you should never make a decision right then and there in front of a marketer, whoever he is. Ask for time to discussing with your husband, or 1-2 days studying the proposals.
Happy make a good financial planning!
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