Sengkek Di Tengah Bulan.. Kenapa?

:) Assalamualaikum wbt

More Money Out Of Money In.

Ages right now, if observed .. The harder we make money, the more the amount of money that comes out 
from entry. (These seem to blur again, right?) 

Actually, I want to understand the difficult situation pound. For example,

• there are already enough people want to pay RM1000 living.
• RM2500 salary there is adequate subsistence want both.
• There are already enough RM3000/RM4000 want to pay living family

Yes, it's not impossible. But from the amount of the salary, how much we can save each month ( cash-in )? Or maybe run out so soon?

We often confuse wants and needs, which should be given priority and which ones are less interested. 

Living as a man easily seduced even more so when the new salary entry.  Sometimes, we tested 
discounted at a lower rate  either through online or shopping mall, it is' off 'all the plans that have been devised. No need to point fingers, good girls want boys because everyone already has a taste and a 'bad habit' of its own.

More surprisingly, some of us are 'impoverished' earlier each month. After a few days' wages in, 
70 percent salary money disappeared overnight. This happens because of the way the organization money.  So, how do we want to overcome this problem?

1. Conscious salary levels
The issue is not only a poor middle month happens to those who are underpaid, even among young graduates with salary levels stable, reducing the problem. We often assume wages 'ciput' faster 'poor' compared to huge salaries. If the thought of logic, of course salary of RM1, 500 can cause shortness of breath if living in central cities than the salary of RM3, 500 a month, but keep in mind, other salary levels of other ways of life and desire .

Actually, if we spend it right, the monthly money that's enough.  Begin initial step to save between 10 to 30 percent of salary into a special bank for savings . If there is extra money, put also because it can be used as 'emergency money' before the next paycheck arrives. Resistant to withdraw themselves from this. Want more assertive? Do not create a bank card as it will be difficult to take money out of savings.


2. Precede important
Managing savings should be in line with the commitment of each month. Precede the mandatory things like loan payments, electricity and water bills, house rent, telephone bills and vehicle fuel to pay the remaining amount can be deployed without the burden of monthly debt. 

Debt! Item must be settled so not long delayed. Solve the debt arrangements with friends or relatives to avoid any misunderstandings later on. If everything is finished, do not spend money 'clean' left hand break some savings for emergency purposes.

3. Always use brain
At the time you thought of buying a gadget or new shoes, think twice! Do gadgets and shoes available too old to not be used anymore, or it is still in good condition?  If desire has a passion, try to be patient and wait for the next month. Save half of the budget the purchase of products and the rest is taken from the salary of the next month.

Create a realistic budget in money management plan. Instead, for the production of pre-paid plan. When wages are in, you can continue to implement plans that are arranged according to their importance. 

Try recording back production for three months back. That way we can know where the money out excessive or less important purchases that can be avoided in the next month. 


4. Remind yourself do not owe
For those who do not have credit cards more secure because of the money in and out can be for real, but for those who have it is just the opposite.  Stop using credit cards for things that are not important.  Constantly remind yourself every time you want to use a credit card, it is doubtful that must be paid each time receive a salary.

No one owns a credit card, but owners often so 'blind' when faced something very desirable without thinking about the long term effects.  Credit cards can be used only when we have enough money to settle payments in the coming months. 

P / S: Work never ever solely based on money. Let each of us work and earn income feels pleasure blessing. Even just a little down, but as long as the blessing .. inshallah always enough.