Setting the necessities of life should not leave money at the end of the month, but spend the money until it left. With a record of all obligations must be paid at the beginning, including debt.
According to the Financial Consultant Sapphire Senduk by spending money earnings at the end of the month can achieve inner satisfaction without burdened with other needs that still must be met.
"If you want to achieve satisfaction, should spend the money instead of leaving money," he said in the event of exposure in Indonesia Financial Expo and Forum 2011 in JCC, Senayan Saturday (06/18/2011).
Meanwhile co-Safir, Gozali said most people try to leave money to save a month income. However, almost no one ever managed to do so because of the necessities of life will surely follow the amount of income.
"Given any revenue will go towards the cost of living because it tends to follow income needs," he said.
He pointed out, an income per day with a small amount going to use it for small things, so if you have more income then it will use it to great.
"If you can food allowance of Rp 7000 per day from the office, you will eat warteg. If you had a Rp 15,000 will eat rice fields. If Rp 25,000 will eating more," he said.
Important tips in good financial management is to be resolved according Gozali of the most important, such as paying zakat, then set aside to pay the debt, then save, invest for the future. Once all requirements are met, then spend the rest for spending and make ends meet.
"Being able to direct income pay zakat, cut with installment debt, set aside for future needs, the new spending with the cost of living," he added.
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