Financial Planning Untuk Ibu Rumah Tangga – Below is the Financial Planning Infographic from the Independent Financial Planner. In Series 1, we’ll discuss what financial planning is and who needs it.
Everyone has financial goals, including you and me. Whether for buying a house, buying a vehicle, preparing for children’s education expenses, religious trips, retirement pension, etc.
Financial Planning Untuk Ibu Rumah Tangga
As you know, the expenses incurred for these purposes sometimes require large sums of money. 12 months’ salary may not be enough to buy a house, go to worship or prepare for retirement. That’s why you need strategy and planning so that you can achieve your financial goals instantly.
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You have a map or GPS so you can move forward with financial planning and achieve your financial goals one by one.
Anyone with financial goals and managing their finances needs a financial plan. In the infographic above, we identified five people who need financial planning:
Co workers. An employee who receives a relatively fixed salary each month must manage money well to meet lifelong and short-, medium-, and long-term needs. Therefore, employees need to manage their money well so that they can afford financial goals that require a lot of money (such as paying for a house, buying a car, preparing for children’s college expenses, retirement, etc.). Read more. Employees need financial planning.
Housewife. One of the duties and responsibilities of a homemaker is managing the family’s finances. At the very least, a homemaker should be good at managing incoming and outgoing money, budgeting, managing credit card debt, and making installment payments. In addition, housewives must also work with their husbands to invest and achieve long-term financial goals. Read more. Housewives need financial planning.
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Entrepreneur. An entrepreneur or entrepreneur definitely has trouble managing their finances. They call him a businessman, sometimes there are big profits, there are times when there are no profits. On the other hand, there are always financial goals to be met. Financial planning can help you ensure that your income is used to meet your medium- and long-term financial goals. Read more. Entrepreneurs need financial planning.
Professional workers such as doctors, pharmacists, lawyers, accountants, artists, athletes, musicians, freelancers, agents also need to have a financial plan to meet medium and long-term financial goals. Don’t let the money you have now be mismanaged, making it difficult for you to meet your financial needs in the future. Read more. Professionals need financial planners.
Companies: companies (company management and HRD) should think about financial planning for their employees. The goal is for employees to be financially secure and comfortable and lead prosperous lives. With financial security, an employee is expected to be more productive at work and not less likely to cheat at work. Read more. Companies need financial planning.
What are the financial planning issues or controversies? “If you say that the topic is certainly very controversial in financial planning. Let’s discuss some issues in order of priority. In financial planning, these priorities are defined as a pyramid.
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The first priority in financial planning is meeting short-term needs, in this case managing cash flow, emergency funds, and debt. These three parts are short-term financial problems that need to be secured in a healthy way.
If you have made improvements in the three main areas, the next priority is individual risk management. In this section, you must ensure that your assets (life, home, vehicle) are adequately protected (no excess or deficiency).
The third part is medium-term financial targets. In this third section, some have different priorities, such as those who prioritize their children’s school expenses, a worship trip, or buying a house.
While medium-term needs are important, don’t forget long-term financial goals such as pension funds (retirement funds). Preparing for retirement expenses from a young age will ensure you are adequately compensated for retirement. So you and your partner can retire safely and financially.
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After all, it is an inheritance or a financial distribution. Don’t let your acquired wealth and worldly possessions hinder your family. Do estate planning to ensure you transfer your wealth to the right person, in the right amount, at the right time, in the right way.
We hope this infographic and explanation can give you an idea about financial planning. In case of questions, you can contact us: 0819 1151 6119, e-mail For financial planning advice, please contact us via the advice page. Contact us via the training page to invite us to train at your company.
Do you already have a financial plan? So, what are your aspirations for having a financial plan? Please provide your comments in the comment column below. Thank you.
Is a competent, experienced and professionally certified independent financial planning firm. provides individual and family financial planning consulting services, seminars and training related to financial planning.
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Therefore, we have to be really smart in managing our household finances. Still don’t know how to manage smart family finances?
This first step is important in managing finances, you need to make a monthly list of needs and record all the expenses you have to spend on essentials each month.
You can start recording your basic needs or basic needs like food needs, electricity needs or other basic needs every month.
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As you create a monthly budget, you should also begin to notice which needs often overwhelm your family’s finances.
If you already know that these needs are not that important, immediately cross those needs off your monthly budget list.
Indirectly, this method will suppress your desire to buy unnecessary or unimportant things.
Household expenses will add up if we don’t get them right. Therefore, do not forget to take advantage of the promotional discounts provided when shopping.
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Managing family finances is no less important. Don’t forget to put some of your money aside for an emergency fund.
As the name suggests, an emergency fund is prepared if at any time you face an emergency, for example, if the child suddenly falls ill on an old date, if this happens and the money runs out, of course you feel really dizzy.
Therefore, do not confuse it with the cost of primary or basic needs, whether you need to prepare an emergency fund for your immediate or urgent needs, set aside money in another account or savings account.
Once you know what the cost items are and how much is nominally allocated to each deliverable, it’s time for implementation and evaluation.
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Try to keep track of one month’s monitoring expenses, whether your family allowance is sufficient or incomplete. Look again at which posts need more names and which posts should be shortened or even eliminated.
There are many ways to save money, one of which is to be disciplined in following your financial plan. You can use some of the methods mentioned above to keep your finances good and healthy.
Don’t give up if your family income is low, but if we are smart about managing finances, low income is not a problem, Boon.
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