Sabtu, 11 April 2009

financial planning

Tips Mengoptimalkan Pendapatan Anda

Astaga!HidupGaya- Awal bulan adalah masa yang menyenangkan buat pekerja kantoran, mesku terkagang sekaligus menjadi awal yang ‘tragis’. Baru saja menerima gaji, eh setumpuk tagihan sudah menunggu didepan mata.

Bila salah salah mengatur pengeluaran yang ada setiap bulan, Anda mengalami peribahasa, besar pasak daripada tiang. Biar tidak sampai terjembab seperti peribahasa yang mungkin sudah “usang” tadi, inilah Tips untuk memaksimalkan pendapatan Anda.

Stop Mengeluh

Kalau mengeluh bisa mengetuk hati boss untuk menaikkan gaji Anda? Bagus! Tapi kalau hanya bikin sakit hati, untuk apa. Tidak ada gunanya mengeluh. Yang terpenting bagaimana mengatur pendapatan anda agar selalu kondusif.

Rencanakan Tabungan

Ini bukan bicara tentang, ‘menabung yuk’, tapi bagaimana mengelola tabungan. Biasanya bank mengenakan biaya khusus setiap melakukan transaksi on-line. Memang sih jumlahnya ‘receh’ tidak begitu banyak, namun jika Anda terpola untuk selalu melakukan transaksi on-line, bahkan yang tidak perlu, tolong dikurangi. Ohya, bolak-balik memeriksa saldo juga tidak baik untuk perkembangan psikologis anda.

Pastikan 15% dari Gaji Anda Terselamatkan

Banyak yang berpikir tabungan adalah sisa akhir gaji. Itu tidak benar! Tabunan bukan juga sejumlah nominal yang disisihkan dari gaji. Bagaimana dengan saving 10-15% from your income, lalu menabung lagi! Selamatkan 10-25% gaji untuk masa depan yang lebih baik.

Evaluasi Rencana Pengeluaran

Ini paling basic, lelaki atau perempuan punya kekuatan seimbang dalam hal menghabiskan uang. Cek lagi pengaluaran Anda. Pasti ada saja items yang tidak perlu dibeli. Semakin sedikit pengeluaran tidak berarti makin pelit, tapi efisien. Remember that.

Sumber: Astaga.com.

5 komentar:

  1. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    BalasHapus
  2. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    BalasHapus
  3. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    BalasHapus
  4. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    BalasHapus
  5. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    BalasHapus