Your plans this year might be the same with your plan in the last year. But due to lack of planning until the end of the year so plan to stay plan. Your goal is to have savings, pay off debt, own a home or vehicle has not yet been achieved. You have not been able to realize your plans. Then, don’t let this year passed without any valuable thing you can get.

Manage your finances require discipline from your part. Do the following to manage your money.

1. Saving Up

Prioritize for saving. For some people this is quite difficult because their income is still lacking in feel to cover daily needs so that it was impossible to save. However, in managing their finances, this is the main thing to do. The trick is to immediately save money after payday. You can keep it in a bank or in a place that is safe enough. Set aside some of the money will help to reduce the desire to spend it.

The magnitude of the money saved, at least 5% of the income. Immediately set aside this section. You can also follow the programs that are on the bank where every month will be debited an amount of money or you must pay.

2. Budget

Budget noted how earnings are used. Creating a budget will help to monitor, control and even reduce your expenses. By knowing where it or spend any income, you will be helped to achieve your financial goals.

In order for your financial goals are achieved, then don’t let your expenses greater than income or large pegs instead of the mast. Distinguish between needs and wants. Often, we spend are the things we want and not necessarily the things that we really need. Remember, that there are financial goals you want to achieve.

3. Planning

It is important that you make your planning. For example as You plan to own a home or apartment. If you don’t have a sum of money to buy it, can with debt. Just make sure Your calculations correctly so that you are not coiled retractable debt unnecessarily.

Well if the backbone is planning to join the insurance that can protect a family so that in case of a bad thing doesn’t really affect your finances. Parents can also plan for a pension fund in order to further not to overload their child.

4. Investment

Choosing the right investments can add to coffers coffers your savings. Before you start investing, you should learn first about the investments so that you better understand and not be deceived. We recommend that you select a safe investment with an additional rationale. Do not be quickly tempted with flowers or a result of excessive investment.

5. Balanced

Don’t sacrifice health physical or emotional family just simply want to gather wealth. If pain or problem occurs within the family, there will be no inner peace. As a result, the mind becomes chaotic and there may be a lot of money spent to solve this problem.

These five steps will help you achieve your financial goals and make the results of your hard work is not in vain. Help you to own property as a fruit of the hard work that can be enjoyed. Life is uncertain. Then, when you still have a chance to set aside your income, do it in order not to regret later on.

Trouble With A Freelancer

In addition to positive things, freelancers must also confront the negative things that are less pleasant, for example:

• There is no certainty of fixed income every month
• Unlike the Office workers who receive a salary each month, freelancers must struggle looking for projects that earn an income each month.
• Ready to work on public holidays
• You may have to accept or reject the phone call had to work your project on Sunday due to the deadline draws near. Or at a time when everyone else is recreation, you’re forced to busy working on such projects as the project owner orders.
• Even for unrestricted work hours, You must work the works until late at night. Not even freelance workers rarely did not sleep to complete their projects.
• Working on a lot of things herself
• In addition to working on a project that will be created, when you need to find the project, means you have to act like a sales force (sales), learning to talk is interesting as a public relation, organize income and spending money for projects such as an accountant, and certainly as experts in the field that you are working on.

Certain types of debt can indeed be an asset. For example, long-term debt to purchase assets like a House whose value continues to increase can be beneficial. In contrast, credit card debt used to finance everyday life can be a catastrophe. Hold fast to the principle of not to pay any expenses cost a dollar or interest credit cards. Does a credit card can simplify your life, but always be careful when using it.

If you have a credit card, get rid of your credit card bills immediately prior to the arising of flowers. Financial experts recommend to pay off credit card debts even if it means you have to sacrifice your savings. Just think logically, that it makes no sense to owe with interest rates high while maintaining savings with interest rates low. This is tantamount to a waste. Beware of billing credit card interest!

Keep your Financial Conditions stay safe

Make a budget and free from debt you need to do seriously. Once you’re freed from credit card debt and short term debt other non-investment, then you can begin to try some of the following practical steps:

Reserve Money
Always provide financial backup at least as much as six months earnings. This backup can be a savings account or other investment that is easily exchanged if required immediately. In case of change of the situation, for example you are fired, then you will have sufficient finance for at least six months while you are applying for a new job. Conversely, if you are getting a raise, save  half of the salary increase.
A Large Debt
If you want to owe to investing then try carefully count the number of prompt repayment led to. Repayments of debt must not exceed 30 per cent of the salary of the husbands. If you are a spouse who works full-time, simply calculate the repayments of debts of husband’s income alone. Then enter into the budget that you have made to be evaluated if it still makes sense to owe a debt or credit.

You can reduce the cost of borrowing for striking by paying a deposit. But you should be saving for that far in advance by putting it in Your family budget. Originally a low cost can mean loads of lower credit costs.
Family Communication
Other success factors in running financial planning is good communication between members of the family.

Compiling the budget and carry it out may be the only means by which you can help to overcome financial problems. Avoid debt, and if you already have credit card debt, get rid of it immediately. Always set aside funds to savings and invested. Thus, you can already manage to resolve your financial problems.

To control personal and family resources can be a special challenge. Credit or owe it looks the easiest solutions to overcome financial problems quickly. You can use the debt as an asset, but if your not careful can lead to a result which is painful.

For some people, they always attempt to seek greater income to cope with financial problems. Financial experts say that to overcome the financial problems associated with awareness of where the source of the money and its expenditure as well as the willingness to make an informed decision. Therefore, solutions to overcome financial problems is to create a budget.

Draft Budget

Making a budget is not difficult to learn. One of them is making a list of income and expense list. Then keep the expenses do not exceed the earnings, as the saying goes large pegs instead of the mast. By creating a budget will make your life more fun and bring satisfaction. What can you put in the budget?

Revenue
First you need to create a list of income. Generally that will go into this list is salary, interest from savings accounts, deposit interest, and so on. Just take note of certain routine revenue you earn every month.

Avoid entering uncertain income or not routine in your budget. Some income is uncertain include wages, bonuses, overtime, commissions, even gift THR though. The financial consultant warned that make planning based on uncertain sources of income can make you a coiled retractable debt. However, if at any time You get definite income is not, such as overtime or bonus money, then you can choose to use the money for example treats yourself and your family, tour, or give a donation.

Expenditure
Compiling a list of expenses isn’t as easy as making a list of income. It could be that you are attempting to note any wastage of financial expenditure to see that happen. However, we recommend that you could make a list of monthly expenses if you know your shopping habits. Some of the important things that must be in the list of expenses such as Staples. This includes food, homes, and clothes.

Do not forget to enter routine expenses such as expenses on a periodic basis per three months, mid of annual, annual and other periodic expenses. For example, for the payment of home insurance, vehicle tax, or income tax. However, to put it into a list of monthly, you need to divide that number by the number of months that fit.

Then for each expenditure, You create a weighting or priority scale. If you find the amount of your expenses are greater than or equal to the income, then you can get rid of or defer some expenses which you have registered. It would be helpful if you divide any spending with weighting as an absolute necessity, the needs are in doubt, or just a luxury that would like to have. This way it will be very helpful, if at any time your income is reduced due to changes in the situation. You can get rid of it quickly needs some problematical or a luxury only.

Savings
However, one of the most important in the list of expenses that is savings. Although many people may not consider expenses, saving as is wise when you spends a portion of your monthly income for emergencies or special purpose. At the very least, you should set aside 5 percent of your income tax has been cut to save money. If not, you must create measures that hard. Get rid of credit utilization, reset your lifestyle, and consider Your staples. Strive put savings in your monthly budget.

Your success in running your budget is largely dependent on how realistic budgets. The idea is that the list reflects your personality and your choices while remaining realistic. If you make a budget too small that can not afford sufficient household needs within one month, then certainly all you have flats will not run.

Working freelance encouraged thanks to advances from the Internet that have become a part of life. Ideally, a freelancer looking for work that will be his own. This can be facilitated by searching through the Internet. Or if you have trouble getting the project to work on, there are many freelance agency you can find on the Internet. The Agency will provide a workable project. Once done, you can just send Your work via the Internet and you will get paid from the results of your work.

Another benefit of the Internet for freelancers is as a place to promote their expertise. The rise of social networking sites and blogs make it easy for the workers of this unnecessary hassle free promotes its products with brochures or paper that is not necessarily effective and cost more.

The development of communications technology that is cheap and easy to have bridge between the needs of consumers with freelancers. By using SMS, email or messenger make freelancers don’t have to spend more money for transportation costs to meet the consumer. FAQs and product offerings can be easily submitted in a fly.

advantage of A Freelancer
A variety of things that cannot be enjoyed by a full-time worker (full time) became a regular thing that can be enjoyed freelancers. Some of them are:

Flexible time
Generally, you are free at any task you can origin finalized before the deadline (deadline) have been determined. So, you can get off at will and be closer to family. You also do not need to go to the Office that may have to pass the traffic jams that make stress.
No need to get pressure from superiors or company
You are working for yourself, so there’s no boss who will scold you or tell you do something you don’t like. No company regulations that will complicate you. If you don’t like the job, you can simply find another job easily without any contractual company.
Greater income
Usually a freelance workers get greater income because of all the benefits can be enjoyed alone or when you have to share, porsinya bigger than regular salary earned. As a freelance worker, you can customize the size of the income that you would like to receive.

Each unit was then sold to investors. Furthermore, the units are managed by hotel operators will market and rent it daily to customers who will stay at kondotel. Kondotel will be functioned like a star hotel. Simply put, kondotel may be translated as condos or apartments for rent and processed like a hotel.

Advantage Kondotel

Buy kondotel (condo hotel) or apatel (apartment hotel) is one way to invest in property. The benefits of investing through this didaoat kondotel include:

Gain Operational Results
Use kondotel which is operated as a hotel would generate income operational. This income is then distributed to the investors. The magnitude of the revenue assigned ranged from 8% to 12% per year of the purchase price. In comparison, this figure is higher compared to deposit interest. This is in contrast to ordinary apartment where you won’t be earning if no renting your unit in addition, usually the hotel management was carried out by those who have been dabbling in the world of casual hospitality so they have experienced to manage the hotel.

Some kondotel give some feedback at the time of handover. The magnitude of the dividend beyond the given ranges from 8%-10% for 2-3 years is paid directly at the moment of handover of the unit. In other words, investors earn cash back from the purchase.
Stay Free
As an investor, you can get a stay at this kondotel without paying so you can feel the comfort of the hotel and facilities also provided kondotel. Length of stay is free ranged from 18-30 days annually for each unit kondotel.
Increasing Unit price
One of the highlights of the investment property is the price will continue to rise following an increase in the level of inflation. So also with the purchase price of the unit kondotel, you buy can continue to increase so that it will turn a profit. Increase in prices can be up to 20% per year. In addition, your ownership of the kondotel can be collateral to the bank if you need loan money in the bank.

In order for a potential loss (which is probably the case) can be insured (insurable) then it must have the characteristics: 1) occurrence of uncertain loss, 2) losses should be limited, 3) losses should be significant, 4) ratio of losses can be foreseeable future losses and 5) are not catastrophic (disaster) for sharing.

There arose the question; death is something that definitely, why can be insured? Even though it is something containing certainty, but exactly when the death of a person residing outside the control of the  wake of the events of death that is completely uncertain this is what causes it to insurable.

There are two forms of agreement in setting the amount of the payment at maturity of insurance, namely: contract value (valued contract) and contractual indemnity (contract of indemnity). The contract value is the amount of the payout agreement which has been set in advance. For example, the value of sum assured (UP) in life insurance. Indemnity contract agreement that the number is based on the actual amount of financial loss. For example, the cost of hospital care.

 explained that Insurance is a tool to reduce financial risk, by way of collection units adequate amounts of exposure, to create in order for individual losses can be estimated. Then the unpredictability that losses shouldered by them are incorporated evenly “.

insurance or coverage is an agreement, by which a person committing yourself on the insured by receiving a premium, to provide the replacement to him for a loss, damage or loss of profits expected, that may be sustained for a certain event “

Insurance according to law No. 2 Th 1992 regarding business superannuation is an agreement between two or more parties, with which the person committing yourself to the insured, by accepting the insurance premium, to provide the replacement to the insured for loss, damage or loss of profits expected or legal responsibility for third-party which may be suffered by the insured, arising from an event which is uncertain, or provide a payment based on the life of someone who died or placed.

C. Arthur William Jr. and Richard m. Heins, revealing an understanding of insurance based on two viewpoints, namely:
a. “insurance is a safety net against financial losses made by a person”.
b. “insurance is an agreement by which two or more persons or entities raise funds to tackle financial losses”.

Prof. Mark r. Green explain that insurance is an economic institution that aims to reduce the risk, by way of a management combines the object is large enough in number, so that losses can be thoroughly foreseen in certain limits.

Morton (1999) lays out the main functions of insurance is as a mechanism for transferring the risk (risk transfer mechanism), namely the transfer of risk from one party (the insured) to another party (the person). This does not mean the transfer of the risk of eliminating the possibility of misfortune, but rather the person providing financial security (financial security) and peace (peace of mind) for the insured. In return, the insured paying a premium in the amount is very small when compared to the potential losses which may be sustained

Whereas the notion of Shariah-compliant Insurance business is mutual and mutual help among later defended a number of people/parties through investments in the form of assets and or that provide pattern  returns to face certain risks through (the Alliance) that comply with Sharia. Shariah-compliant insurance is one of the Islamic-based economic system that is Universal and applies to all societies.

Insurance is a system to transmit afflict lose financially with the risk of losing of someone or entity to the other.

Insurance in law regarding business superannuation is an agreement between two or more parties, with which the person committing yourself to the insured, by accepting the insurance premium, to provide the replacement to the insured for loss, damage or loss of profits expected or legal responsibility for third-party which may be suffered by the insured, arising from an event which is uncertain, or provide a payment based on the life of someone who died or placed.

The agency that distributes the risk is called the “insured”, and the Agency which accepts the risk of so-called “responsible”. The agreement between the two bodies is called policy: this is a legal contract that outlines any term and conditions are protected. Costs paid by the “ungulate” to “responsible” for the risks borne by the so-called “premium”. This is usually determined by the “responsible” for funds that can be claimed in the future, the administrative costs, and profits.