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?

Big monthly installments each account can be adjusted to estimate the required funds or ability to pay. Logically, the higher levels of education, the greater the required funds.

What also often happens, the parents confused to choose between taking the education savings and insurance education. Although similar principle, in fact there are some differences between the two.

The most striking difference concerns how to see the problem. Education insurance to calculate from behind. Insurance is, at first, estimating funding needs in the time children enter school. From there it is calculated how much premium to pay customers every year or month. In contrast, the education savings were more likely to perform calculations based on current conditions. They saw the ability of our customers in saving and only then can estimate the results obtained when the child entered school.

One of the advantages of savings insurance, some banks allow customers to vary the great savings deposited monthly. Thus, parents may start saving with mortgage USD 100 thousand per month. Then, after more established economic conditions, greater savings could be increased to USD 300 thousand per month. And while finances deteriorated, the savings could be lowered again to $ 100 thousand per month. Now, the choice is yours.