Let's See The '2017 Financial Resolution for Employees'

JAKARTA - Resolution, the word often heard in our ears even decorate mass media. A wide assortment of resolutions that proclaimed everyone of course, not least with financial resolutions. Are you ready to make financial resolutions in 2017?

For employees, every turn of the year would be followed by the salary adjustment. In accordance with the standards set by each local authority, or that we are familiar with the Minimum Wages District/City (UMK).

But do not be happy first, salary increases will not immediately change our lives better. All depends on the pattern of spending money that we do. The trend is happening, people who are just getting additional revenue growth, usually will change your lifestyle and spending patterns. As a result the salary increase will not take effect, especially for the preparation of its future.

Receive regular monthly salary not guarantees our financial we'll be safe until the end of the month. Let alone the end of the month, sometimes entering 10th or 15th course we've been struggling.

There is also find friends kind, not arrogant and diligent saving. But we want to live like that all the time? No way, the life must be progress each year, must go forward with a dynamic rather than retreat.

Well for that, it's time for our employees to realize the financial resolution in 2017. How the changes, create a minimum of ourselves and our families. It is time we learned to be smart employees in the manage finances.


Here, consider some tricks that can be done to manage the money from the salary routinely accepted version of the Independent Financial planne also Inspirator Motofinance Optimizer, Agus Sudiyar Tanjung which summarized in 'Financial Resolution 2017 for Employees'

1. Set the salary expenditure by the pattern 40: 30: 20: 10
There is no standard as we prepare financial patterns, but at least we have a standard that can be used as guidelines. Any salary that we receive will never be enough if we do not set it up properly and patterned. Pattern 40: 30: 20: 10 In the above, we divide our salary to:

a. 40 percent is used for living expenses and expenditures. Make a note of our regular expenses and make it as a benchmark for spending. So there will not be spending that are sudden and not recorded.

b. 30 percent is used to pay the mortgage, savings and the establishment of an emergency fund. Make sure that the mortgage (if any), must be paid before the due date so as not to add to the cost of interest. Set aside for savings, although small in value but if we do continually be great too eventually. And do not forget to set up an emergency fund, because any time there certainly unexpected expenses.

c. 20 percent used to social fund. Usual for alms, charity, entertainment and recreation. Because life is not always have to think for myself anyway, with the share we will be happier and we will continue to feel rich. Don't forget to make time for recreation in order to live a more balanced.

d. 10 percent is used for investment. Invest early and continuous. Don't look at how much value we invest, but with discipline and sustainable, you will see the results of it will be an amazing investment in time. Now many investment products that we can do with minimal funds. Remember don't be put off investment, will be sorry. Life is not for now, but be prepared for the future.

2. Do not be tempted by the trends and brands
Recency is fine, but look around the contents of the bag should not be unbalanced budgeting. Moreover, until the debt is to not die style. Rest assured lifestyle that follows the trends and always want the brand will make wasteful. Take control of ourselves and do not be tempted by the left and right. Smart employee will focus on financial goals. Do not be tempted to trends that character for a moment. Moreover, to the credit card used as an escape.

3. Prioritizing the needs, not wants
Mandatory for us to meet the needs in life, because if not met will surely affect the activity of our lives. Such as eating, it's a necessity. What if we do not eat, condition and endurance will decrease. But if we wants to use only eat meat, or eating at the restaurant, fastfood, this caution has been ranahnya desire. Do not follow, must be wise in managing expenditure that is not exhausted prematurely. We did not eat at the restaurant can also be kept alive right, so prioritizing needs not wants.

4. Have savings without ATM
It is important that we are not a slut to break into our own account. Understandably if you feel there is still money in the bank, wanted swiped continue if not exhausted yet satisfied anyway. Moreover, fitting it to existing mall discount items, already dark eyes. Whereas savings fund should be prepared for another post. To avoid dark eyes, it would not hurt us to make other savings without using the ATM. In order for our funds are safe and can be used in accordance with the previous plan.

5. Have a Personal Protection
Protection is important to assure ourselves if someday happen that are not desirable in themselves and our souls, especially for households. Have a minimum of protection for the health and lives. Thankful for employees who are already insured by the employer. Ya stay we count how many we need life insurance as protection. But make no mistake in choosing yes, learn before buying so as not to regret in the future.

6. Immediately to invest
Do not procrastinate for investment, apply now. Now in 2017 should start immediately. Do not be crushed by the time again. At one point backed up 10 percent for investment. So soon find products and make your investment portfolio. The sooner we invest lesser amount of money needed to invest, because the days are getting longer.

7. If you can get additional income, why not?
Try retrospect, is there still a lot of our time is wasted? If the answer is no, you are the losers. In at least one year when we vacation days in a week, which means that there are 4 days a month and 48 days that we can use for the positive. Use capabilities and our time to earn additional income. Search side job that does not interfere with our main work. For example we are experts play an instrument, why not utilized for the love of music lessons, private accounting experts could love accounting, have the motor idle yes could be made attractive special motorcycle on a holiday. Quite right with additional income will increase the value of our investment in the future.

Nothing is impossible if we have a goal, most importantly realize the resolution is not only recorded in a series of beautiful words. Finally, immediately made financial planning for the future much better. Happy New Year.