Smart money for women

Hi girls ...
If you feel that you have financial problem and every month you don't have enough money with your salary then you can try this.
Please write it down all of your expenses every day for each month. After that you can find out where is the expenditure doesn't actually you really need it and you can cancel that budget.
Start to save, at least 10% of the salary that you receive each month. Open a separate account for savings, this savings is only for emergency, like if you need it to pay the hospital.
Buy insurance policy which is inlcuding with a unit link, because with the investment unit link you can plan your future, for example, to fund your retirement.
Do not purchase the things which have depreciation of value by credit, because by the time you paid your loan the debt value price has become cheap, so if you want to buy a mobile phone for example, it is better to saving first and pay with cash than you purchase with the credit in advance.

Hi girls ...
Jika Anda merasa bahwa Anda memiliki masalah keuangan dan setiap bulan Anda tidak memiliki uang yang cukup dengan gaji, maka anda dapat mencoba ini.
Tolong tulis semua pengeluaran Anda setiap hari untuk setiap bulan.Setelah itu Anda dapat mengetahui mana pengeluaran yang sebenarnya tidak benar-benar Anda butuhkan dan Anda dapat membatalkan anggaran tersebut.
Mulai untuk menabung, sedikitnya 10% dari gaji yang diterima setiap bulan.Membuka rekening terpisah untuk tabungan, tabungan ini hanya digunakan untuk keperluan yang sangat darurat, seperti jika Anda perlu untuk bayar rumah sakit.
Membeli polis asuransi yang sudah termasuk dengan menggunakan unit link, karena dengan investasi unit link Anda dapat merencanakan masa depan Anda, misalnya, untuk dana pensiun Anda.
Jangan membeli sesuatu yang ada depresiasi dari nilai kredit, karena pada saat anda membayar hutang pinjaman anda barang yang telah anda beli itu sudah menjadi murah, jadi jika anda ingin membeli ponsel misalnya, lebih baik untuk menabung terlebih dahulu dan membayar dengan tunai dari Anda membeli dengan kredit sebelumnya.

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