'.. The amount of your income is important. But more important is how much your savings ..''Safir Senduk, financial planner.
According to Ita Guntari MM CFP, financial planner from Padma Finansia, living well is not enough if only practiced only one month . Throughout the year, throughout the month, all week, and throughout the day, you need to prosper.
To help you, Ita divide it into two important posts. Current expenditure and future earnings potential. Current spending includes the obligation to pay the mortgage, debt, and all monthly needs. While the earnings potential in the future consist of savings, deposits, mutual funds, or real business. ''Set aside at least 20 percent for savings. Mortgage and all debts up to 30 percent, you can set a new monthly needs. If there was money idle, start gather to start investing,''said Ita.
To start, for your expenses into three categories namely compulsory, need, and want. A healthy income by Ita when you can meet the obligations and requirements. ''To desire or entertain budget should also be budgeted so as not to confiscate the other expenditure items. It can be saved first, or directly used each month. If you save could use it when there midsale without running out of budget,''Ita's advice.
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