In difficult times like this, when nearly all the price increases of goods and services, need a more creative strategy and mature in the education fund set up for baby. Actually, there are only two keywords, the positive cash flow and savings strategies. What is positive cash flow? The formula is simple, namely income greater than expenses How, when revenues do not increase every month, while expenditures increased due to price increases? Following strategies.
1. FORGET THE DEBT
By forgetting the debt, you are truly living according to ability. If it was not enough money to buy a car, so do not credit. If not enough money to buy a laptop, so no debt. Moreover, mild installment tempted to fulfill holiday wishes to foreign countries. Whew, finished his vacation, installment move on. By forgetting the debt, you are released from bondage, and mortgage interest, because no one knows what will happen in the future.
At least, when suddenly your own spouse or ill, or no, you’re not being chased installments. If you really need something and it can only be obtained with debt, try to think and calculated again, if need be a thousand times, do you really need it. Try using this formula, IF NOT BUY OR USE THIS SERVICE I CAN DIE. If the answer is still not dead if you do not buy goods or services are consumed, means that desire is still to be deferred.
2. Easily satisfied
When you become a person who easily satisfied and always grateful for anything that belongs to, you are released from the temptation to buy goods or services that are not necessary. For example, our old mobile phones can only be used for calls and SMS, so what? Most of us use the phone a sophisticated, complete with Internet features, wifi, and so on, also never used. So, you should buy something that is consistent with your needs. Thus, in the end is not easy to be tempted seduction ads are very tempting. In essence, always looking for ways or the most appropriate therapy for yourself to appreciate what you have.
For additional tips, I tried to keep the credit card as far as possible when I’m at the mall. Know that the items in the mall always tease my eyes, I only brought enough cash. So as, if you stay a little cash and suddenly tempted nan pretty cool shoes, I had not bought for money in the wallet was a little (just do not come back again the next day, yes). Because after all, I’m just a normal cosmopolitan woman, born to love beautiful things and branded.
3. CREATIVE
Petrol expensive, so use public transport. Driving down the street traffic will only throw gasoline waste. Keep your pride, turn creative ideas, search for the most creative ways to make money lawful and pressing expenses. If you feel so expensive lunch, bring lunch. If the salary of a mediocre office, you can bring merchandise into the office (eg cake pastries, mukena funny, or work clothes. With notes, the rules do allow the office).
Or, if you normally Sundays hanging out in the streets and expensive coffee shop, joined a friend better selling in the bazaar. If you are good at marketing, why not sideline work to be a broker or agent (home office does not violate rules). That is, many a thousand creative ways that you can halal can get if you want just a little to maximize the creative brain. Do not wait for a salary increase that may never come. Better pick up the ball, looking for opportunities.
4. DISCIPLINE
The latter is a discipline with rules that you have created yourself. Imagine this, just because tempted by circumstances, you break a promise or commitment that has created itself. It’s like licking his own saliva. I accidentally created a parable that is a bit hard, because a positive cash flow, it takes struggle. Believe me, people who will work discipline, and the fruits of success would be very nice, that is the extra money could be saved each month, so you can more thoroughly prepare the education fund for your children.
