Hello, see you again smart people.
To manage the family’s finance is not an easy job. But it is not related to how much our income. Sometimes we found many people have much money, but the money not enough for they need.
How to manage our family’s finance? There are some explanations:
1. Write your income in every month, whether from your salary, incentives, commission, or from other source. Now you knew how much income that you earn actually in a month.
2. Make your needed list in every month, like your children’s school payment, or other else. Note: the needs not the same with the wants . If you want to buy a new cellular phone, is that a need or just your want? If the old one still works, why you have to buy a new one?
3. When you receive money, divide it for all your need. If there is a remainder, it would be better if you save it to anticipate for a sudden. If you want to buy something, you can use your saving. So it will not interfere your daily routine.
4. Make sure that you’re not borrowed some money just for consumption need, but it’s enough with your monthly income. So you can keep your cash flow every month.
At last, keep spirit and never give up, because every problem always has a solution. Remember, that we are born for winner not a looser.
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