5 Langkah Untuk Mengelola Keuangan

5 Langkah Untuk Mengelola Keuangan

Mengelola keuangan bisa sulit bagi orang dewasa muda. Kabar baiknya adalah kau bisa mendidik dirimu sendiri tentang bertanggung jawab mengatur keuanganmu dan menghindari kesalahan potensial dimana butuh waktu bertahun-tahun untuk pulih. Belajar bagaimana mengatur keuangan Anda awal pada adalah bagian penting pendidikan keuangan untuk siswa dan akan membimbing Anda pada jalan ke masa depan keuangan yang sehat.

1. Buka rekening bank.

Ini mungkin tampak jelas tetapi jika Anda tidak memiliki satu, Anda akan memiliki waktu yang sulit untuk mengelola keuangan Anda. Mulai dengan cek dan rekening tabungan.

2. Menetapkan tujuan keuangan.

Menetapkan tujuan keuangan adalah pilihan yang cerdas dan bisa sangat bermanfaat. Alih-alih mengembara tanpa tujuan, Anda memiliki sesuatu untuk berusaha dan jalan yang jelas untuk sampai ke sana. Untuk menetapkan tujuan keuangan, pertama mendefinisikan apa tujuan anda. Tuliskan dan buat milestones sepanjang jalan untuk membantumu mendapatkannya. Memprioritaskan tujuanmu dan menyusun rencana aksi. Ingatlah agar realistik saat menetapkan tujuan keuangan. Anda ingin menetapkan tujuan yang cukup bisa dicapai.

3. Buat anggaran

Menciptakan dan mengikuti anggaran realistis membantumu menghindari pembelian yang tidak bisa kau beli, pembayaran yang hilang atau menggagalkan pinjamanmu. Kesalahan ini bisa melukai Riwayat kreditmu dan oleh karena itu kemampuanmu untuk menyewa apartemen, meminjam untuk membeli rumah atau mobil, atau yang paling penting, mendapatkan pekerjaan. Untuk membuat anggaran pribadimu, gunakan kalkulator kita.

4. Bayar dirimu dulu.

Menghasilkan uang dan menghabiskannya … .. bisa terasa sangat bermanfaat. Namun, tabungan dapat membantu Anda mencapai banyak tujuan keuangan Anda. Dari setiap gaji, secara otomatis Masukkan sejumlah uang ke dalam “akun dana darurat” Anda dan ” akun tabungan rutin Anda.”Mulai dari yang kecil tak masalah; kau selalu bisa meningkatkan jumlah di masa depan. Konsistensi adalah kunci untuk mengembangkan kebiasaan penyelamatan yang sukses. Setelah membayar tagihan bulanan kalian, pertimbangkan untuk menaruh uang ekstra di rekening tabungan kalian segera daripada menunggu sampai akhir bulan untuk melihat apa yang tersisa. Ini akan mencegah Anda dari menghabiskan uang ekstra Anda pada pembelian yang tidak perlu yang dapat mengganggu pertemuan tujuan keuangan Anda. Ketika Anda menyimpan uang, ingat untuk melakukannya dalam bunga rekening penghasilan. Bunga Senyawa membantu Anda mencapai tujuan anda lebih cepat.

Dampak dari bunga majemuk.

5. Menghabiskan tanggung jawab.

Pembelian kecil bisa menambah. Lihatlah grafik di bawah ini. Cobalah untuk meminimalkan biaya semacam ini – tidak hanya akan Anda simpan uang-Anda juga akan hidup gaya hidup yang lebih sehat.

6. Tidak lebih dari meminjam.

Jika Anda perlu meminjam, apakah itu pinjaman mahasiswa atau pinjaman mobil, Anda perlu memastikan Anda meminjam dalam sarana anda. Baca strategi ini untuk meminjam.

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  9. But I hope you will. You’ve probably seen me before, as our eyes have crossed. Perhaps you even took a second look at me. I certainly took a second look at you. I am writing you this letter, not because I am not man enough to go up to you and talk, but because this is the first impression I want you to have of me. I want you to know right now how much you turn on this stranger you’ve never met.I saw you once, as we crossed paths in the gym. That’s what people do at the gym, I suppose. They gawk at each other, checking out the competition in some cases, eyeing the beautiful bodies passing…
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