Financial Management Tips For Your Family

financial management

Here are simple tips on managing the family finances are often given by the family's financial planner.

1. First of all invite other family members to work together to create a list of needs for a month.
2. Conduct a thorough analysis and then do the separation which is nice to have and which ones are the needs (needs that can not be avoided).
3. If you already owe a mortgage that exceeds 20 percent of total income (income) families. So should you need to talk with creditors to reschedule debt. If not possible, then seek a loan with a lower interest rate to pay off high-interest debt. Remember, as long as your payments are equal to or greater than 20 percent, you should not make a purchase loan or debt again.
4. Separate 40 percent for daily necessities. If 40 percent of income is not enough, think creatively what else can be saved; for example saving electricity usage, changing the combination of the daily diet.

5. Separate 20 percent for personal needs.

6. The discipline to save 20 percent. To be deposited into a savings account at the beginning of the month, not later than 1 x 24 hours after the income is received. If you do not have to repay the debt, it can be saved and can be used when it has enough to buy something that includes nice to have.

7. Should have to uphold the commitment and attitude consistency.

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5 Tips The Best Communication With Your Love

When couples decide to get married, they love each other can be sustained by the trust, honesty and commitment and of course communication. When busy, or there is a problem, it could be communicating that seemed like a chore you'd rather not miss.

So why communication is very important in marriage? Do married couples without communication will move away from each other and this could destroy their home. To find out, let's see why a summary of healthyandbeloved:
1. Communications to keep the couple closer than they think.By sharing stories of life, you will get more involved with someone. So is the marriage, more than to have physical contact but also an important emotional connection. When you know what is going on in the minds and hearts of your love, you can solve problems more quickly and effectively.
2. Assumptions and misunderstandings will not occur.This fair when your partner does not share certain information with you, your mind tends to wander and negative. But if the talks between the pair goes well with each other, then the negative thoughts did not exist among them and there should be no misunderstanding.
3. Lack of communication can be caused infidelity.Not communicate, more promiscuous than spending time alone with your love, this could be a major factor in the split with your partner.
4. More respectful and honest partner.
When you are trying to hide something with your partner, it means you have tried to be dishonest and do not respect him. You owe it to him for not telling what happens to you, mind you. If it were so, how do you both handle the situation.
5. Communication is a two way street.Means exist to communicate with each other every time your spouse need to be entertained. In marriage, in general, a person needs and wants and vice versa.
Whether you already live like this?

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How To Successful This Life?

how to success life

Person's success in business or career field can be achieved if a player is able to position itself. If you want to succeed, you must be a player, becomes the perpetrator. You have to do it themselves, can not be represented by another person. Do not be a spectator.


When given a target-led, you should also try to grab it hard and find ways and attempt to be achieved, it is not easy to figure "players" here because, if you are busy commenting on the target without doing anything, even a sputter, then you will not reach whatever. In fact, you can lose positions and jobs.


Many people ask, why have not had success, successful, and yet meaningful to the people around? Cause, we just focus on yourself and self-interest. Yet it is clear, life is not just about myself. Life is also about the people we love, about religion that we profess, the people around us, state and nation in which we live.

There is a large energy generated from the big guys who have a passion for raising the dignity and degree of the people around him. Great people, not just think and fight for themselves, but they have a concern and high spirits make life more meaningful and dignified.

Like a magnet that can attract the positive things around him, he had the power, a strong influence in public life. Food brokers also like the switch, which can turn on the lights, turn on something that is dead so as to illuminate the surroundings. He was able to connect to one another. Something that clogged drain, improving the situation and do things of mutual benefit. People who become "food broker" into major energy channels and did a great job.

picture by : pictures88.com

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