What you are among one of those who never mengganggarkan all costs? If yes, and bad things hold you continue, it will make you miserable.
If you consider yourself a bad manage money or have a hard time with living within your means, then you should start preparing for a change. Not too late to change. Only with some skill, you can free yourself.
So, what are the skills that must be mastered?
Here are 11 skills that must be mastered budget:
1. See money as a tool
For good budgeting, you need to develop the mindset of money is a tool. This will help you do the things you want and need to do. No matter how much or how little money you have, you can still achieve the goal.
2. Record Transanksi
You will certainly need a record deal to start a budget, then you need to keep a record of the transaction. You can record the transaction manually or by the application. Learning to record the transaction will make you keep it within the set budget was good.
3. Make a budget
This is most obvious skill on this list, but it is also one of the most important. You can create a budget manually or through an application.
4. Measure spending
Learning to categorize transactions in any way that is meaningful to you, so you can see how much you spend money on different things. This can help you decide exactly which should spend more expenditure, which it can spend less expenditure budgets, and daily spending what you can cut back.
5. Plan ahead
When creating a budget, do not just think about what you need now, or even your monthly expenses. You should think also about the costs that often come, ie car insurance, life insurance, and property taxes. Begin to save a little money each month for these things, so you can pay all of it without worrying about when the bill appeared.
6. Writing Articles
During the budgeting process and notes, should you write. Do not try to keep the budget in the head rather than with written because any time you can forget it. We recommend placing a budget that you can often see it so it feels real and you will remember the goal.
7. Resist the temptation expenditure
Do not be tempted to spend more money just for shopping. With shopping, you can go against the tide, especially if you have a lot of debt or very little income. Then you should realize that you only have a little money. By doing so, you will be more focused on keeping budgets and more able to resist the desire to buy things that are not important.
8. Know when royal
There are moments in life to splurge. Not necessarily a big shopping party, you can try out with little things, like go for coffee with a friend. It’s up to you to decide when to splurge, but make sure only some time to splurge in your financial life.
9. Make a financial recording system that works
If you can not use the system properly, you should have tried other systems. For example, you can not keep track of spending every day, then you should try the system with a record of transactions once a week or more. If the system is not working well for you, then you should continue to try the system right until you find the preferred system.
10. Living with discipline
We recommend that you should start applying a disciplined life. How to discipline here, which continues to pay attention to the budget, update it, and when you do not have any more money then stop shopping. With discipline, you can continue to create and maintain your budget, remind yourself for a greater purpose, and can help you better control the desire to spend it is not important.
11. Ask yourself the tough questions
Should make it a habit to ask yourself the tough questions, like “Why do I always spend too much entertainment?” and “Do I realistically can take a vacation this year?”. You may not like the answer you are looking for, but be honest with yourself will ultimately help you become more aware of who you are and how things work within you. From there, it will help you achieve your goals.