If you want to save money in your office the first task you need to accomplish is to understand what is being spent and by whom. Only by monitoring what your office costs are can you have a fighting chance of reducing those costs.

A good way to achieve this is to introduce a purchase order system, if one is not in place already, and have purchase and expenditure controlled centrally. This does not necessarily mean that one person has to be responsible for authorising expenditure, as each purchase order request can be approved within the originating department, however the process of completing a purchase order request, which can include the requirement to justify the spend and obtain competitive quotes if appropriate should help keep unnecessary spending down.

Another way of saving money is to centralise certain heads of expenditure. This works particularly well in a large office where for example, each department may be ordering items of stationery. These orders may be going to different companies, without getting any benefit of bulk ordering. In addition, by having a centralised store of consumables you should find you need to stock far fewer of each. As an example a department may decide they need to always hold ten boxes of printer paper to make sure they never run out. If there are ten departments in your office, each with the same philosophy, that is a hundred boxes of paper sitting idly in your office. By combining all orders you should be able to negotiate a better price with fewer deliveries and reduce the stock you hold.

Even if you only have a small office you should be regularly monitoring the contracts you have in place and the expenditure you are making to see if swapping suppliers or combining orders can make a difference. If you work in a multi-occupied building, you could consider pooling your purchasing power with the other occupiers or sharing services; cleaning, maintenance and security are three such services that you could consider, and by talking to your neighbours you may find they are getting a better service or for a reduced cost, that you can share in.

You may even find that there are other synergies between you and your neighbours and that you can sell them some of your services, or use them instead of other suppliers for a ‘local’ rate.

Create a family budget vision. Talk to your spouse and children about whatever budgetary constraints you are facing, or whatever financial goals you intend to set. By being completely honest about the bills and loans you have to pay, or your intention to save a certain amount of money for a family emergency fund (or a college fund, for that matter), you can helpyour family understand better your collective financial situation. This will allow them to change their perspective on purchases they make, and will help you make sure that whatever money crunching strategies you utilize wont be counteracted by a subsequent spree by your teen.

Another good technique is to create a list of usual expenditures per member of your family. Together, identify which items you can do away with in order to save up some extra money from your monthly income. By doing this altogether, you are makingyour family participate better and see the contributions they can make into making your familys finances better.

Should your child have the habit of continuously asking for money for minor and oftentimes unnecessary purchases, you can let your children learn to manage their own weeks allowance. With their limited money to budget, they will realize the value of money.

Put a cap on the amount of expenditures you make in a week. The best way to do this is set aside a fixed amount of cash that you will spend for a week. By putting this limitation on your spending, you are forced to prioritize spending on the most essential over other things.

Make it easy for your family to save more. How often do you eat out? Most family budgets are blown over because of the frequency of dining out and the accompanying exorbitant expense of that activity. Eating at home will reduce your expenses, not to mention allow foryour family to bond over cooking at home. Do you spend on routine purchases like coffee and newspapers? Cut back on the latte and the paper, and put aside the amount you would otherwise spend. Your familys collectivesaving will surprise you.

Lastly, don’t be afraid to create a most efficient driving route, as well as grouping together activities into one car trip. This way, you can save a lot on time and even on gasoline and car expenses.

Here are tips on saving money with ease, which can help you to save money better.

1. Pay your self first
Often, saving trouble not because lack of money, but more precisely because there is no remaining income can be saved. So why have to wait there the rest of the money in advance, yet so far from your income is too rare rest. Therefore Change your habits and start with your savings to pay first before you pay for other necessities of life. Thus you do not have to worry anymore whether the end of this month you still have money or not to save

2. Make saving as expenditure
In each month before you make payment for any expenditure is to pay a certain amount of expenditure savings. So enter the postal savings into routine expenditure every month. Think of saving as your regular expenses with debt repayments, or other household expenses such as electricity bills, water, food, transportation and others.

3. Do not dismiss any change
Never pay with coins. Shop only with paper money alone. If you can change the coin, insert a coin into a piggy bank (piggy bank or canned chicken). Do not open until filled, if it is fully insert into your account at the Bank. The amount of coins that must be signed in your piggy bank can set yourself such as a coin worth Rp 100 and Rp 500, – or only Rp 1000, – only, or all.

4. Increase your savings deposit every time your income rises
Every time you earn more money as annual bonuses, the first Set aside to add to your savings. Likewise, if your salary rises will also increase the amount of the deposit your savings routine.

5. Have a special savings account
People in general difficulties in managing the daily finances due to the lack of clarity between the expenditure for the family, where the expenditure for which the personal and investment expenses. Therefore, a family should have a special account used to finance the post-separated family expenditure from personal accounts. While special savings accounts should also be made separately to the accumulation of funds collected for the financial goals to be achieved is not used for other expenses. Use the auto debit facility (facility transfer or automatic transfer from bank accounting) from your salary account every month to pay on a direct transfer of funds into a special savings account. Thus you do not need to come to the bank or ATM to make the transfer or switching accounting.

A company has excess funds because of his efforts have “boomimg” or capable of achieving its target goals. Financial manager as a person who has accountability in managing traffic in company funds (cash flow) must be able to optimize the use of funds. It means not to have idle funds. Because if not then the company will lose a lot. Companies will lose many opportunities and profitable business opportunities. There are several ways to use excess funds to earn a profit as well, one of them through investments in stocks.

Investments in stocks, or so-called investment was the purchase of shares or participation or other companies share ownership in order to obtain benefits and more. Benefits derived from the dividends distributed in accordance with the capital or part of its shares. Other benefits can include the management control rights over corporate policy is purchased. Acquired management control if the aggregate shareholding majority. Company stock investing is the parent company, while companies that issue stock company called the child. Relationships both so-called affiliated companies.

Companies that invest in stocks have a purpose or a number of reasons, among others; to spread risk, strengthening market networks, strengthen distribution, maintaining supply raw bhan if the company that purchased the raw material suppliers and strengthen management.

Are also included in the acquisition of stock investments?

Recent acquisition of sticking with the term rise in the business dynamics of our country and the deregulation package of digulirkannya capital markets. The term itself actually an acquisition of the old concept. The acquisition has long practiced mainly in industrial countries forward. Similarly, books on acquisition of long-standing one.

Simply defined as a purchase acquisition or control or capture (take over) by large firms (parent company) of the target company (subsidiary company). In practice, after the acquisition process is often carried merger or consolidation process into a new company law allows the emergence of new entities (new legal entity), for example, Lippo Bank. But there is also a legal entity retains the old, for example Bimoli still use the old entity legally purchased even though the Salim Group.

Companies that make acquisitions have several objectives, among others; to seek revenue from the distribution of dividends, strengthening market network, strengthen distribution, spread risks, achieve economies of scale and diversification. This activity can be done directly with the target companies / targets or can be through the capital markets. Companies that make acquisitions in principle is to make investments. Therefore, the acquisition is for long periods and in the balance sheet headings grouped into stock investments.

How do I record the stock investments in the balance sheet and please give examples!

There are two methods that can be used to record stock investments, namely 1) the acquisition cost method, and 2) the equity method

The use of direct methods depending on the amount of stock ownership and voting rights to influence company policy children. If the company is able to hold or control over management control of the company of children, then used the equity method. Conversely, if the company is only able to acquire the minority interest acquisition cost used.

1. Equity method

This method is used if a majority shareholding. In the equity method are recorded at cost or investment account for the stock price plus the costs that accompany such a commission, provision and others. Company profits or losses are treated as children or the loss of corporate profits proportional to the number of shares owned. Dividend announcements from the company treated the child as a deduction of investment shares and discredit of the dividend that will be accepted. Dividend from the company treated the child as a reduction of investment.

2. Cost method

This method is used if the minority shareholdings. In recording the acquisition method of investments for the acquisition of the stock price plus the amount of provision costs, commissions and other costs. The amount of investment will not change unless there is new investment. Dividends are treated as corporate income, just after distributed as dividends. Net profit after corporate tax is not the child is recognized as income. Corporate dividend announcement child will be recorded as income by debiting accounts receivable and crediting of dividends dividend income. Investments in shares are recorded at cost plus other expenses by debiting and crediting the shares of investment cash accounts.

Bank’s cost of many kinds. Some banks charge would be difficult to avoid. But when there are costs that were charged to you regarding your joint account, most customers still can avoid it.

Check your balance regularly and forget to take advantage of “float” if you want to avoid the combined cost of your account. Earlier times all the invoice sent by post, and you have a few days to withdraw the account after writing the check. But it was no longer present, but there are several ways to outsmart the legalized at that time.

If you do not regularly monitor your account balance online, then you can do that by making a list using the old way. Banks still have the manual way, and some people still feel more comfortable that way. Using a debit card and ATM can be difficult for you to track transactions. Therefore, keep proof of your transaction – stored in the wallet and enter these transactions into the list after you get home.

If you can not do the above, then register to the bank for overdraft protection. This is not a “mental protection”, which you get automatically every time you monitor your account. You must register in advance to get overdraft protection.

Avoiding ATM surcharges at a jka easy thing you can estimate your cash needs well into the future so that you can think back to using your bank ATM. If you have to pay the total cost of $ 3.50 to take $ 40 from an ATM, the same thing you have to pay 9 percent interest – unfortunately not he?

It’s hard to imagine who would be interested in checking account paying 0.24 per cent, especially if the bank asks you to save thousands of dollars in the account to avoid additional costs. Several institutions in the database of an online exam wearing flowers average cost and does not require you to store large amounts of money in the account. You may also consider to check the rewards you may receive when you often use a debit card.

Online bangking can work well for most people. Preparing direct deposit to checking account regularly can help you avoid extra costs, and most banks have a policy to replace the ATM of your expenses through a multiple of certain transactions for a month.

You know what is best for you. Find a bank that according to your habits and can meet your needs so that you will not be trapped by the trap of interest and other bank fees.

Finally, I conclude that I have a lot at home. Case additional income, should be done (mostly) from home. And I also have a good look for other income, without having to work. The term term passive income …

Passive income mothers-style home to me is to invest. By investing, the money we will continue to grow. Why is it, the term ‘investment’? because if I use the term ’savings’, then the assumption is to use financial instruments banks.
I tried to record multiple-style investment instruments mothers, plus the pros and cons:

1. Land. Obvious advantage is the price of land will rise and hold in the long run. And while we’re careful when buying, of course there will be no risk would be taken by other parties. The drawback: difficult to get liquid funds. If we need money, not necessarily a buyer in a short time. Especially if there are natural disasters Lapindo mud model. Wow, who would like the soil?

2. House / apartment. Houses here are second homes means other than the house we occupy. Its function is as a rented house. Of course if there is a tenant, each month / year we will earn cash as a passive income. It could also be that we’ll need much, it sold just stay …
The downside is clear: if the tenant naughty, we are the losers. There was a colleague of mine, had a rented house. It turned out tenants escaped by leaving arrears of electricity and telephone are worth millions. Instead of a profit instead of the owner finally had to lose.
If you have more than one house, do not leave empty for a long time. Not afraid to be a haunted house, but usually empty house would be more easily damaged than the uninhabited house. So, instead of bringing money, even draining money. Better to rent it … with a record of all the risks that might arise had we anticipated.

3. Commercial / shophouse. Nice to have this kind of investment model. If we are keen to see the location, of course we will always find a tenant. The risk, roughly equal to invest in the house / apartment.

4. Gold. Well, this must be the favorite of mothers. While invest, could force. We all know, there never was in history, gold prices could fall. Even as world crude oil prices fell, gold prices still rising. It features clear: enhance your appearance, improve the ’status’.
The drawback: difficult to keep. Missing a very big risk. Can because we are careless storage, or because of theft.

5. Securities. Can be a debenture, bonds, mutual funds … .. that this is not all mothers know. Only the well informed are understood. The surplus is clear: to become the source of our money at a higher sales price than the price when we buy. The drawback, of course we were wrong when determining the period of money will be used by the investment model, might hurt fifteen! For example, take the mutual fund investment in stocks, so that profits can be used next month. Lha, next month, the stock price has fallen dramatically, it’s over! Just info, stock mutual fund is only suitable for medium-long term.
Another drawback is that we can be fooled by agencies offering of securities of this.

Well one more product that is currently ngetrend mutual funds. Mutual funds have the advantage of flexibility in terms can be cashed at any time, have a variety of risk level course with a variety of return is also tax free!
Mutual fund or mutual fund is basically a financial product that applies the principles of gado-gado. It means the contents of the mutual funds could have been different. In other words, mutual funds are the simplest way to spread risk (diversify) stock mutual fund portfolio may consist eg extract 30 kinds of diverse stocks so that if the price of ABC stock crash, the stakes are not so tasteless as any other mutual fund may rise. Money market mutual funds

Instrument contains a bank certificate of deposits and Indonesia. This kind of mutual funds have no risk of losing principal because it is so just deposits and SBI alone. These mutual funds typically offer rates of return are slightly smaller than the deposits but has the flexibility of the withdrawals. Suitable for investors who are reluctant to bear the risks but want to get flexibility.
Fixed Income Mutual Fund contains financial instumen with a very low risk as government bonds, bonds mixed with korporate and SBI. Given level of expected return is better than a bank. But should note that fixed-income mutual funds still have a risk of capital loss is very low even considering the elements that are volatile bonds reversed by the bank savings interest. Mutual funds are suitable for low-moderate risk investors. (investors are willing to accept low to medium risk). Stock mutual funds contain several types of stocks. Usually a stock mutual fund contains at least 20 different stocks. These mutual funds are volatile or fluctuating significantly. However, within 3 to 5 years even more mutual funds typically offer a yield just under or very good interest. In fact there was a time to reach 60% even more. This type of mutual fund is not suitable for those people who suffer a heart attack, those people who easily worried or anti-risk investors. But this mutual good if you want to accept higher risks, or we want to save money in the long run. Mixed mutual funds (Managed Fund) Mutual funds are mixing stocks and bonds. 30-50% is usually allocated in the form of separation in the form of bonds remaining. Mutual funds are good for people who do not want to take high risks but still hoping for good returns back from the funds saved in other words high medium investors will love this instrument.

1. No Money
“How to save money if the money that would save nothing?” So says a friend. Then, I asked him what he was doing the first time while receiving a salary. “Pay the debt of three credit cards (the size of half of salary) and the rest for living expenses a month.”
Apparently, he can not resist swiping a credit card if you’re a walk and see the good stuff. If that is the case, many expenses are unexpected and not recorded, how to save money?

2. Only later
Reason “Later when there  money” would often you say. Well, according to Rob Bennett, author of Financial Freedom Blog at PassionSaving.com, the more we grow and age more and more of our bad habits, it becomes increasingly difficult to eliminate. Includes, lazy habit of saving it.

3. Revenue for Enjoyed
The third reason people often sounded as mentioned about saving the “I want to enjoy my money once, can not you?” Of course, not. But goals are also saving to buy something you can enjoy. Only difference, have fun from the new savings can be enjoyed after a certain period. While people now prefer instant way. Owed for fun, pay later.

4. There was a Savings
Ie husband. This is the reason that many used the housewives. So, they feel no need to bother to save because there are doing for them. In fact, it would be safer if no savings alone do you? Yes, for just in case a sudden “single” again. Who knows?

5. Have assets for sale
Why do you feel no need to try hard to save money? The reason is because you believe the goods you have and buy can be a valuable asset to be sold again as needed money. Yeah, what?

6. Can heritage
This is why those who felt his family “rich”. They will think why bother to save money, yet can be inherited from the parents later. Well if his legacy in the form of money. If the debt?

Actually there is an easy way to disciplined saving. I’m sure you’ve heard, the savings futures. Ever see an ad that offers a direct gift of a brand new phone if you save a month Rp 225.000? That is one example of the present term savings are always offered a gift.

With these savings, but can make you spend money, you are also free to decide themselves how much money you want to save per month and duration of saving. No hard too! You just start with 5 percent of total income (it would be nice if it could be 10 percent, as suggested financial expert). If successful, you just increase the deposit as your salary increase. Well, good save!

Wherever we are, directly or indirectly, any activity we do is always related to money, and all it comes down to the expenditure or the acquisition of money. The key for us in dealing with money in this modern era is the intensity and quality we are in managing the money we have today.

Concretely, what should be done in managing the money so we can get the satisfaction and the maximum benefit from every dollar we have? Wise sentence states that the more capable we are managing the money, the greater the benefits and advantages that we get. In other words, financial planning is more mature will increase benefits and satisfaction that we will get from every dollar we have.

Saving Culture Building Obstacle
Why financial management become so important in our lives? Basically, we all have goals and dreams relating to money or we call the financial goals. Planned or not, we desire a better life to him, and was associated with a more prosperous life with adequate financial support to carry out various activities which we aspire.

Goals and dreams that we have will continue to be influenced by circumstances and our current situation, and it was connected to the hopes and our aspirations for the future. For example, such as whether the goals and financial aspirations that we want in the future for our happiness and the family?

When is ideally dream can become reality and our family can enjoy? Or, how many years we are planning for that dream could become reality in the family? Some goals / dreams and aspirations that we typically want to accomplish, or we get to the front, among others, the desire to buy a new car, a bigger house in a better area, or enjoy the year-end holiday travel abroad.

Our dreams can also be the availability of money for the education of the children loved the teenage period to come. We also have a dream to be able to enjoy a prosperous retirement. Or, we can get health insurance money in the future.

All the conditions will be achieved with current good if we have started doing a careful financial planning. Our success in meeting the inspiration and financial objectives in the future also depends on our ability to manage the current financial.

Without us realizing, we often make mistakes in managing finances, such as excessive spending through the use of credit cards out of a desire to buy things of interest (impulse buying). We would often run out and not enough money to pay for household needs everyday.

As a result, we are forced to use savings to cover these shortages. In fact, we must owe to others or others to meet monthly living expenses in the household. When the various conditions that occur in our lives, it means we failed to set aside some money for the allocation of savings for long-term financial needs.

We should be able to manage the income we have now, and some percentage of income that we set aside to make that dream a variety in the form of savings. Essentially, a determination to collect and save money in the form of savings for the welfare of families in the future has become imperative for us.

In fact, the habit of saving that in fact is one of the tips to plan carefully in the future of a happy family is often not realized due to various mistakes that we do. Generally, savings instruments the best known of our society today is saving money through banks.

The habit of saving in a bank it is important to be able to meet our financial needs, especially in the short term. However, we often face many challenges and failures in accumulating money for long-term financial planning through saving schemes through banks.

Failure or deficiency which often happens when we want to save money generally caused by some of the following conditions. First, our lack of discipline in saving some money regularly every month. In this case, we tend to put off the desire to save money because we feel there is no intrinsic obligation to do so.

Second, the temptation to withdraw funds from the savings that we have to satisfy the needs of unnecessary spending. Third, we generally feel that we need a long time to accumulate the number of large sums of money through savings schemes.

As a result, the habit of saving which we should do is plagued by this phenomenon. If the commitment to saving often constrained by the emergence of a variety of error, is there a solution that we can employ to achieve our dreams or aspirations for the future for my beloved family happiness?

Because it can be said that the concept of profit in the conventional banks is more likely, focus on the point of the material benefits, whereas the concept of profit in Syariah banks should consider the benefits in terms of temporal and ukhrawi (Hereafter).

If the customer is the purpose in accordance with the purpose of sharia banking, then in principle there is no shortage of savings in Syariah banks because of the balance between worldly and ukhrawi. However, if the destination is more customers to the material aspects, the benefits could be obtained would be less in line with expectations.

For more details, we try to compare between conventional savings account with a savings of applying the principles of sharia, or for the results mudharabah, as follows:

Conventional Savings:
- Flower size has been determined in advance by the bank regardless of whether the bank was a profit or not.
- The amount of interest is whether the bank’s fixed loss or profit. Although the economy was booming and banks are getting a lot of profit, but still of interest given to customers has not increased.

Savings  Syariah (the principle of results):
- Not offered flowers but for the result and the first set is the ratio (ratio) between the customer benefits and the profits earned by banks, eg 60:40 means that 60 percent of profits for the customers and 40 percent of profits for banks. Therefore received the benefit of profits depending on the customers acquired by the bank.
- The amount of benefits received by customers will increase as the bank’s profits are booming.

In Syariah  banking system does not apply because the interest rate is usury, in other words, Islamic banks avoid the wronged party or menzalimi.

For example we see customers saving with flowers (conventional banks), at the time of economic crisis, saving the customer a higher interest rate and the bank be the “wronged” because the bank was very lost, but must pay higher interest to customers.

While the economy was booming when the party becomes the customer’s savings are “oppressed” because interest earned remain small even though the bank was a big benefit. Things like the above will not occur in Syariah banks to apply the principle to the results.