Perhaps most people who earn a steady income will not find it difficult to manage finances between needs and savings. Because they can divide according to the portion of their needs that tend not to change.
However, for people who work with non-permanent earnings often complain because they find it difficult to manage their finances. In fact, there are people who are willing to set aside saving the important needs and other wishes can be fulfilled.
In fact, saving will provide many benefits and benefits in the future. For example, as a future fund, retirement, vacation, marriage or when want to buy something like clothes such as clothes, shoes, bags and even vehicles or homes.
If smart organize finances, then there is no longer a difficult word. For the non-regular daily earners such as public transport drivers, online and non-online motorbikes, and merchants, there are several ways to carefully manage the finances that can be applied in everyday life.
1. Know the Average Income Period
If you want to start managing your finances between your needs and savings, it’s a good idea to know how many average daily earnings you earn. Although the results obtained vary, choose the smallest nominal as a benchmark when managing the finances and the rest can be used as an emergency fund. asuransi pendidikan
For example, the daily earnings earned between Rp200,000 – Rp250,000 per day. Well, choose Rp200.000 as the benchmark and from that nominal, you must smartly divide as needed, including savings.
2. Create a Budget List of Requirements
Compulsory law for those who want to successfully manage finances, namely make a list of budget needs. The existence of the list will make it easier for us to know where the money that has been issued.
Make this list of budgets into sections, such as daily needs, monthly bills, transportation to savings. After receiving the earnings, you can simply segregate according to the existing category on the list of financial budget that has been made. So that financial expenses will become more regular.
3. Grow Niwak’s Intention on Yourself
This is what everyone often ignores intentions. Intention is the most important foundation when wanting to do something, including also when saving. Without the intention, how will the desire be accomplished or achieved?
As a simple example, when the Son is eager to buy shoes at Rp750.000 but his money is only Rp300.000. Since there was no intention of saving before, then he had no additional money and could not buy the shoes. Actually, the Son could have bought the shoes he wanted by adding money that was less than the savings, but unfortunately he did not have it.
Trivial, but it can be our lesson. What else is waiting for? Immediately grow the intention of saving to yourself, so that what is desired will be easily and quickly accomplished.
4. Set Nominal Savings Per Day
Do not wait for the rest of the new money to be saved. Rest assured, not necessarily the money you earn will be left. That is, without realizing you will buy whatever you like.
Well, change the bad strategy to the good. Determine the nominal money that should be saved at the beginning when making a list of financial budgets. So, after receiving the income, immediately separate the savings in accordance with the nominal value.
The determination of nominal savings is a bit difficult due to uncertain daily earnings. The solution is to set the nominal savings as needed and make two choices. For example, at least $ 30 and a maximum of $ 50 per day.
5. Make a Comparison on every Shopping
Do not be in a hurry when you want to shop to meet the needs. There is no harm in doing a survey first in some shopping stores around the house. Perform price and quality comparison on every item or product to be purchased.
While getting the goods or product needs with a cheap price but still have good quality and good, why not? That way, of course, will provide benefits that can be more cost-effective.
6. Find Discount Rates
Utilizing a discount is a very good strategy when shopping needs. Usually, a shopping place will hold a promo or discount or discount at a certain time.