8 Personality as if you are in financial

Every person has the money archetype (culture in the face of finance) are different. This archetype differences make one's way of looking into different currencies. Including how one treats the money.
Type archetype not show your personality, but rather to direct where you are. That is, how the character and habits of financial management can be recognized from here. By recognizing this character, as individuals you can avoid the financial leakage. Another positive impact is more felt in pairs. You and your partner can recognize each other better and be able to find a financial solution that balances the relationship.
Yuza Aziz Coach and Coach Tom MC Ifle, iCOACH owner, describes eight kinds of money archetype and its impact:

1. Innocent

A person who has this type tend to have fear, not confidence, and do not want to think about financial problems. People of this type have a high sense of fear when confronted with matters related to finance. He felt no power and the ability to regulate every thing else about the money.

The impact, if someone gets huge amounts of money, will easily run out. Because people have a habit of this type tend to be irresponsible with money.

2. Victim

Most people who have this type tend to blame others when experiencing a problem. They will be fearful if the problems encountered will turn befall them. Therefore, to save themselves, they will blame others as the cause of the problem. Its fundamental character, the type is not easy to trust others.

Impact, the money becomes unproductive. Because the victim of this type do not entrust their money to invest or save money in the bank, for example. Money will only be stored in a safe or even under your pillow, because it does not believe financial institutions.

3. Martyr

People on this type have a tendency to sacrifice for others. Nevertheless, after a sacrifice for others, they expect a reply. On the negative side, with the many sacrifices made for others, people often ignore this type of himself.

Impact, this martyr type can never be saved. Others will rely heavily on the martyr is to borrow money. The danger again, this type do not dare or even lazy to collect receivables.

4. Fool

These types tend to have high spontaneous and thoughtless act more mature. They do not think about the future. What is there now, that's what.

"Fool here is more to the ridiculous. The characters are lazy, expecting a quick or instant money, "said Tom, as speculators call this type are not discipline. Impact, these bold speculators in debt just for fun.

5. Tyran

People who have this type tend to be afraid of losing money. Typically, people in this type has properties that greedy and never satisfied. Often they work too hard without considering the other things around it. Even sometimes, too, people did not pay attention to this type of health.

Impact, this type always felt is never enough with their financial condition. Eventually tend to manipulate and too controlling.

6. Warrior

In contrast to the five types above, this type has a tendency to create ideas into reality. People with this type has a thoughtful nature, have a clear target for the future, and also numerically in the calculation of income and expenditure. They also have the confidence and success in financial matters.

This type is very healthy, said Tom. A clear orientation towards the goal of making a financial success. This type usually found in successful entrepreneurs with financial discipline.

7. Magician

People who have this type tend to make the past as a learning. They are also trying to transform an idea into reality even seem impossible. People with this type tend to have an idealistic nature, confident, and self-reliance. They believe that they are able to do it.

Such type is expected, said Tom. He became a master of money and not be a slave to the money, let alone idolize money.

8. Creator / Artist

This type is usually careful to follow the call of doing things. They also have an idealistic and spiritual nature which is quite good. They are also used to create something.

The tendency is, this type of work for the passion and unrealistic. Even less extreme, though not in need of money.

By identifying the various types of these, you as an individual let alone with a partner to balance one another. That would more easily find the planning and financial solutions.

3 Bad Habits In Financial Setting

almost all people want to achieve financial freedom. Science of how to manage personal finances well are shared by many financial institutions and financial experts, but until now not everyone can achieve it. They've been saving in a variety of expenditure items but still have not been able to achieve the dream of financial freedom.
Why did it happen? Financial condition of our current practices related to us in managing personal finances. Formed by human habits that every time he did. In financial terms, a person's successes and failures in achieving their financial goals is largely determined how the habits of the person in managing his personal finances.
Here I would like to share three poor financial habits and how to fix them:

1.Accumulate credit card debt

Credit card is actually a tool for us to simplify the payment process. With the more easily obtain credit cards, many people began to accustom themselves to pay for everything by credit card, this habit is good only when the credit card bills are always paid in full each due date.

But if that is paid every due date is only the minimum payment, this is a habit that will bury a person in debt is increasingly piling up credit card interest rate plus the ever-increasing many times over.

The only way to solve this problem is to STOP using your credit card, you get used to conduct financial transactions with cash, then use all the extra money that you can get each month to pay off credit card debt. You will make progress in achieving financial freedom when you stop using credit cards to purchase goods / services outside of your ability.

2.Spending money income received exceeds

The habit of spending money than the income received is one of the bad habits that hinder a person to achieve financial freedom. This habit is the root cause of a lot of people have debts that had accumulated.

And this practice applies to people in different income levels, a mediocre income and whose income is more than enough. Everyone should start to learn to have enough flavor.

Feeling pretty good this is a habit that will help to correct bad habits of spending money than the income received. I'm sure if we can distinguish which is which needs and desires, most of us already have enough income to meet basic needs for survival. If your income every month is not enough to satisfy our basic needs, take extra time to earn extra income to replenish these basic needs.

3.Trying to compete and to equate yourself with other people

Often you see a neighbor driving the latest and past the front of your house. Then you start thinking, "Wow, he could just buy a new car, why can not I?". Encouraged by such thoughts, you decide to go to fairs or car sales outlets and buy the latest cars to use car loan facilities.

In fact, in reality it's not necessarily your neighbors can afford to buy a new car. So, you and he are both buying a car that has not been able to buy just to compete with each other.

Starting from the cars, mobile phones, watches and other desires, you will be mounting debt. If the debt is not resolved then it will push you fall into the abyss of debt. You have to understand that material wealth can not bring the happiness, have enough feeling for everything and satisfy your desire is only when you are truly capable of.

Thus three poor financial habits and change the ways habits into good habits to achieve financial freedom everyone had always dreamed.

Has the right to manage your finances

Have you manage your finances today? If not let's start now to manage your finances by using TARGET. Money is very important for you to live the present and the future.

Well for that you must be smart to manage or manage your finances well. Well for those who want to know how to manage finances let's follow these tips sniper manage your finances well.

1. Make a List of Spending and Revenue
Make a list of expenses and income is one of the easiest ways to organize your finances. So you can find out more expenditure or income that you spend every month.
2. Arrange the financial plan or budget
Mature planners will help you in managing the household finances or personal

3. Avoid debt
Often we decide to take on debt when we are not able to manage finances. But avoid debt because it will add to your problems in later life

4. Start investing
The final step to organize your finances and in case of unexpected costs is to invest. It is highly recommended in managing finances, especially the household financial planning for long-term

By doing this way, hopefully in managing your finances will be much better than before, may be useful!

How to plan your finances better

1. Live Longer. Perekembangan medical technology and health makes a lot of drugs was found. Harapn living is increasing. Baby boy born in 2004 is expected to have a life expectancy up to age 74. While a girl can live to 79 years. Lived longer, would require more costs as well. If you do not do financial planning early on, the old days you would senyamn today.
 

2. The Health Cost Mahal. When you live longer, the total lifetime health care costs will also be greater. Deadly disease that may now be treated, but the price is certainly more expensive medicine. Remember the first time the Dutch penjahan, no coronary heart disease, cancer or stroke, only colds disease, bubonic plague, cholera or tuberculosis. This needs into consideration when planning your finances before you reach retirement age.
 

3. Comfortable retirement. Sooner or later you are earning about to enter retirement. If you no longer work, it means no more income each month. If anything, the numbers are much smaller than when you are working productively. In fact, if you retire at age 55 years and live to the age of 79 years, you still have to eat as much as 26 280 times. This does not include inflation. If a meal costs 10,000, you will spend Rp262.2800.000 subject only to eat it!
 

4. No temptation Stop Technology. Several decades ago, there was no such thing as cinema, cable TV, home theater devices, cellular phones, PDA, Playstation, internet, shopping centers and so on, which can drain your income. Advanced technology that has spawned a variety of sophisticated tools and facilities that would want you to enjoy. If you do not have extra money, how you can get and enjoy all the sophistication that?
 

5. Keep Moving needs. Been calculated where most of your money 'go'? It's your money much used for common activities such as work, shopping and schools. However, to achieve temapt work, malls and schools. You would need transportation. All you need to calculate mileage buknalah but Biya who dikeluarjkan for public transport or petrol costs (if a private vehicle). Do not forget to increase every year.
 

6. Preparation of the Future. At 10-15 years ago, a diploma is enough to find work. Now, you need to pursue a Master's degree or even PhD. For those of you who want a career, S1 degree that it seems like not enough. The next title can only be achieved if you can plan your finances well. Because when it went back to school, you automatically need not cost a bit.
 

7. Married and Have Children. Munkgin You are not currently planning to get married and have children. However, as a picture of many women who decide to stop working when having children. Depends on the couple? You should not take for granted. So, to meet the education fund after you no longer earn a living, to prepare early.
 

8. The High Cost of Living. From year to year cost of living continues to rise. Similarly, when you decide to have children. Not only you need to get expensive. Children's needs were just as expensive. You not only have to pay for food, clothing and schooling, but also music lessons, ice-language, bimibingan learn, and much more. Ready?
 

9. Inflation. Do not forget that inflation continues to rise each year. Inflation would affect the prices of products and services. The new life will be safe if you start now you are investing money in instruments that can rival the inflation rate.
 

10. Heritage. Maybe this idea is far from your mind right now. However, it is also necessary that  you consider living in the future will be more difficult from now, you certainly do not want our children and grandchildren later life difficult because you can not bequeath any property?
 

So, let's start thinking and acting. The earlier start would be the easier your life.

How To Manage Family Finances

Family finances are a very important role in the course of domestic life. And the absence of these factors often make the conflict in the household. For that, for couples who want to marry a good idea to prepare in advance of this, of course, with work and have enough savings in order to strengthen the foundation of the family from the financial side.

But for those who are married, of course this is very urgent and necessary not only readiness but a quick response in meeting all the needs of families that currently condition is very urgent and can not be replaced. For those of you who are married but always complain about your financial problems, maybe you should start to manage or manage your family finances. How do I? Check out the tips below:

1. Still have a separate account

By keeping an account of each and one joint account for household needs, this can help you both to remain vigilant with

5 of your financial strategy

The following are tips for managing the Smart Salary and Bonus :

1. We recommend that you get the bonus only 30% is allocated for the benefit of yourself with this desire and the remaining 70% is stored again for later interests that might be urged, to borrow from here and there, the better you take from your own savings.

2. The salary should be obtained 80% is used for daily needs - day and 15% for your personal use, while another 5% is stored just in - in case if an when required.

3. When a THR (Holiday Allowance) you should leave a minimum of 10% of THR (Holiday Allowance) to be stored.

4. If you have debts of others should focus more on paying off her debts Just because the principal debt rather than the smaller it is also smaller than the interest you pay interest only which will continue to bloom with the same amount each month.

5. If you want to use your savings should be used for the purpose of investment and avoid the use for the benefit of a consumptive nature.

Tips on not a necessity you can adjust yourself to the percentage distribution with the same comparison, and more in the allotment of the above tips for people - people who want to build a bright future with a lot of dreams and future plans, but if you bermintat please peraktekan during 4 months and good luck.

5 things dizziness in managing your finances

 

How to set up a personal or household finances:

1. Understand your family's financial portfolio

The most basic set of household finances before orpersonal finance is to understand portfoilo. Do not until you do not know how many savings accounts, phone bills, the cost of children, etc..

2. Set aside at least 10 percent of your income each month for savings

Resist the urge to buy goods which if not necessary, unforeseen expenses can occur at any time and can ruin the way you manage finances.

3. Arrange the financial plan or budget

Mature stats will help you in managing household finances or private.

4. Avoid debt

Often we decide to take on debt when we are not able to manage finances. Should hindai debt because it will add to your problems in the future.

5. investing

Last step to manage your finances or household finances, and in case of unexpected costs is to invest. It is highly recommended in managing finances, especially the household financial planning for the long term.