including me as well. Whether we get caught up in the use of credit cards or other expenses.
Problems managing money does have a lot of factors, whether factors as management or unforeseen factors.
Well maybe we underestimate the fundamental things that can cause
some errors in financial management as follows:
1. Less Time in Managing Financial
Try to take some time, for example during a weekend
to manage your finances. use this opportunity to pay credit card bills,
note expenditures and revenues in the books.
It is a habit that we need to get used to. Why? If you have further delay this case, you will be more difficult to make a habit of noting your finances.
2. Lazy to take some notes to the finance activity.
Are there any of you who think "is it important to have a financial records?"
We often forget the trivial expenditure spending, such as mobile phone credit to buy, or buy comics or books and others. The things like can make us forget ourselves and ultimately our financial ruin.
But there is a surefire way for you to track your money spending, the "envelope" trick. Try to use 1 envelope just for spending a week. That way you can find out how much money you spend that in a week. From it you can limit your spending as much money contained in the envelope.
3. Debt is good or not?
When you hear the word "debt" definitely a lot of people would have to judge that debt is bad and negative.
Do not misjudge, with a debt we can go back to school, get an apartment and then you rent (the profits can be used to pay the layaway plan), can even provide working capital for us.
Fearing of debt can sometimes make us lose the opportunity. However, too much debt, especially if the debt exceeds our ability to pay the layaway plan instead could lead to chaos in our financial condition. In essence, the debt will not destroy someone's life, if we can use it wisely.
4. Not Thinking More Ways to manage your money
Many ways to manage our financial, insurance, investing in gold, etc.. Investing is important enough to us that when something happens suddenly.
Why? if one day you crash and required hospitalization, for example, then the expense is enormous. With insurance, we do not even need to pay and it will not damage our finances.
Well, are you still making those mistakes?