Crop Expenditures Not Important ...

In conducting our lives very often experience a condition in which things actually happen unplanned. The problem again, it turns out things that are not productive enough to charge our finances in the future.
The simplest example of when we visit shopping centers, stores, etc. as well as electronic center. With the ease of consumer shopping patterns occur much less in our pockets tucked into some credit card that was created by a publisher to do a transaction like that.
Some facts consumptive often happens to us, this is proven by our familiar with the conversation like this:
"Oh, want to buy clothes deh""Eh well there, he said Gym tablets follow-up yuk""Hmm .., I need jeans ya, that old already ga nge-trend""Which is more cool huh?, Ipad or iphone 4?, Or both aja deh""Enjoy a concert yuk, the band 'it' would come to Jakarta loh, when else can watch them?"
In addition to familiar, you probably experienced it yourself. How often have we experienced it?
A wise reader, examples of the above events is this thing called the culture of consumerism, buying goods, conduct financial transactions not required, these can occur because of the emotional nature of the defeat of rational nature or ego so large that want to have something in common with friends or colleagues in order to become part of them.
 Distinguishing between needs and wants
Actually there is an appropriate way to address consumer example above is, we can identify the needs and desires.
Actually what is meant by the need? The need is something that is needed by humans in order to achieve prosperity, so that if any of these needs are not met then people will not feel prosperous or less prosperous. Can be said that the need is something that should be there.
While the desire is something additional to the expected demand can be met so that these people feel more satisfied. But if the desire is not fulfilled then the real welfare is not reduced.
To distinguish between needs and wants, must be viewed in terms of its function.Sometimes you think of desire as a need that must be met.
This mindset must be changed, because if you can not distinguish between wants and needs then you are not familiar logical consequence expense items that need to differentiate and unnecessary. Being unable to distinguish automatically the respective certainly will not be able to control the expenditure, if this lasts kama surely you will experience or future financial defist known as a large wedge of the pole.
Then how not to become a deficit? There are two ways, first make additional efforts to increase wages or income, the second way is to control or control unnecessary spending.
The second way would have to be an easier way because it only involves yourself, is the first way would have to involve other people, at least your boss that your work can be judged either by the boss so that salaries be increased. In this case the first method would be more time consuming.
For greater details, please see the following examples:
Suppose someone has a woman's salary amounting to Rp 2.29 million per month, but the total expenditures for living expenses, payments and credit card debt motors as well as your insurance premiums amounted to USD 2.665 million per month. It directed that the woman suffered a deficit which amounted to USD 375 000, with a deficit this means he has no funds for the postal savings, public investment, as well as emergency funding.
With these conditions also (deficit) it will be covered by debt (through credit card), in the end this woman will dig a hole will close the hole.
Let us evaluate the income and expenditure records on the way written in the early "to control unnecessary spending." Examples of cable TV, this is an unnecessary expenditure or not mandatory, you can memonton TV show without using a cable TV.
Another is the Fitness membership, you can exercise without going to the fitness center instead? Salon, cosmetic, newspaper subscriptions are also not included in the compulsory expenditure, is not online newspapers are now widely? Can be read via the internet?
Similarly, the transport, before he had often done using a combination of public transport (taxi) with their own vehicle (motorcycle) but with efficiency, the use of private vehicles is optimized.
 Imagine if he mengkapus cable TV, gym membership, Salon, cosmetic, and magazine subscriptions as well as the efficient use of the vehicle then she has been able to reduce the deficit amounted to USD 375,000.00 per month, even more than that he has savings, investments and heading for an emergency fund Rp 250.000,00 per month.
Sometimes spending is greater than the revenue is not necessarily because its revenues are too sedkit but because the habit of wasting money. Even if you have a job with the 'highest salary' in the world too, you can be under debt due to your habit.
You can control the expenditures that are not necessary if you want. It was not easy to change it but it certainly can if you wish. Good luck!
Prilla Kinanti, Associate Financial Planner Financial Planner TGRM (Qom / Qom)

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