Before Marriage
Unifying vision of education for children
First we must first identify with the vision of our partners. Begin the conversation by telling of childhood respectively. Usually parents desire for a child’s development will be affected on the life experiences of each.

When Married:
Establishing good money habits
Good financial habits will be a strong foundation in support of a financial plan. This can begin with a detailed income and monthly expenses. For convenience, details of expenditure made by the following categories:

* Savings / investment routine
* Installment debt
* Transportation expenses
* Help the family / social
* Expenditure children
* Expenditure workers (maids, drivers)
* Expenditure lifestyle / personal

Note that expenses will increase in the above line with your family expands. Be like an accountant (financial accountant or public accountant) in order to clear your finances

Before and during pregnancy
Defining financial goals

There are some expenditures (financial management) that require attention in preparing the presence of children, namely:
1. While Pregnant: Fund expenditures, funds control obstetrician (if you do not have adequate health protection).
2. Birth: Dana gave birth (if you do not have adequate health protection), baby equipment funds, funds control pediatrician (vaccinations, doctor fees, medicines, vitamins, etc.)
3. Early School: Fund the education of children from pre school to university.
In determining the financial goals earlier, you need to do a little research. Then we need to think about how to meet the needs of this seabrek. For the short term, under 3 years old, you can still save routine from the rest of the income per month and the annual income. You can also take advantage of financial consulting services if their own difficulties.

When a child is born
Start learning about investing and protection
Most people are afraid to invest because of one problem: do not understand. That is, it can be changed by: learning. Most people either buy the product because it carried the emotion.

Investment easiest thing to do is invest time investors in Mutual Funds. This investment is necessary to fight inflation, which erodes the value of our money at the time of saving.

What we need to understand when you start investing? There are three words are important to note: Risks, Objectives and Results. Understand the true risks inherent in investment products. You need to fully understand the tolerance for what you have when buying investment products according to financial objectives. Once again, you can take advantage of consulting services if you do not understand it.

School
Family’s financial stability
In preparing the family finances since before marriage, it should be in the child enters school level, we already have a pattern of financial (financial management) are regular. We also should already know of investment commitment required by the family.

Learn from it, then we know that this is the principle of balance is needed in terms of financial management to achieve financial breakthrough in the real sense.

1. Balance between how you look for and how to manage / organize your finances.
Perhaps we often meet with people who were so good at in terms of making money. Person has a sense of business is very good, creative, and what he does always make money. Or just like the experience my friend who is very diligent and hard in the office and get a good salary but can not manage finances. People like this is a clever sort of person looking for money, but very weak in terms of management or otherwise, there is a very smart man to manage, but less good at looking for money, so that his life just like that. Ideally be people who look for money and clever, too clever to manage finances

2. Balanced when it should be kept and when it should use.

It increasingly easy to get a credit card facility, we make it easy there friction friction here to get or want to enjoy all things. This type of person like the type that is too generous and very wasteful, such people are often stuck with debt, especially credit card debt that can be done with it so easily. People like tida know when to save and when to use. Conversely there are also people who are too cheap, so for things that are really needed, he should think a thousand times before you decide.

3. Balance between investing for the time when your finances and enjoy your money.

Recently I had the confidence to occupy certain positions in the world capital markets, and I saw a very surprising that recently I experienced. Most people invest their money for investment through securities (bonds), bond, index, future, and various other investment instruments. And they are not half-hearted to invest substantial money to achieve the highest profits. But what happened, attitudes take a shortcut to wealth in this way it brings failure. As a result they are losing money without a chance to enjoy the money that so hard to find.

By knowing the 3 principles in managing financial balance, you can become a great person to manage your finances. And a great financial management can provide balance in your life and family.