Family Financial health depends on how we manage expenditure wisely. In order to avoid and below are the tips :
1. Routine expenses Post
The maximum amount of this expenditure is 50% from your monthly salary. This post includes monthly bills, monthly expenses, etc. If you still have debt, then this post can increase to 60% of your monthly salary.
2. Zakat / donation Post
The maximum amount of this expenditure is 5 - 10% from your monthly salary. And if you bear other relatives or family, then this expenses can be taken from this post.
3. Emergency Post
The amount of this expenditure is 10 - 20% from your monthly salary (depends on our finance condition). See the detail on EMERGENCY FUND TIPS
4. Savings and investment Post
The maximum amount of this expenditure is 10% from your monthly salary. If we have limited money, prioritize saving/investment on residential.
5.Retirement funds investment post
the amount of this post is 10% from your monthly salary. These funds must be set aside, so we do not experience financial difficulties in old age. A time when we could no longer work or make money.
To make it easier to manage the expenditure allocation is to have 3 accounts, such as :
1st account
Special account for operational or routine monthly expenses
2nd account
Account for savings and investment
3rd account
Special account for emergency post
For detail see in Video above in Bahasa.
the amount of this post is 10% from your monthly salary. These funds must be set aside, so we do not experience financial difficulties in old age. A time when we could no longer work or make money.
To make it easier to manage the expenditure allocation is to have 3 accounts, such as :
1st account
Special account for operational or routine monthly expenses
2nd account
Account for savings and investment
3rd account
Special account for emergency post
For detail see in Video above in Bahasa.
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