Kode PPC Anda
In this posting, I wrote about "family wealth management". Althought I don't have a wife yet, but I've got some pieces of knowledge about how to manage about it. I learned in Wealth Managers sertification program that I followed.
We need somes assumptions to give you an illustration, a husband get salary from his company is Rp4Million/month, he has a wife with Rp3million/month salary. It's means, their family income is Rp 7million/month or Rp 84million/year. Of course we already have a net income by included the tax income. In every activities we need money, and it's our outcome monthly. We assumed the outcomes are :
1. Rent living house Rp 1million
2. Car debt payment per month Rp 1,5million
3. Transportasion cost Rp 400thousand
4. Electricity, water, phone Rp 500thousand
5. Family needs Rp 600thousand
6. Driver, cleaning service Rp 1million
7. Entertaint, shoping, etc Rp 2millionWe need somes assumptions to give you an illustration, a husband get salary from his company is Rp4Million/month, he has a wife with Rp3million/month salary. It's means, their family income is Rp 7million/month or Rp 84million/year. Of course we already have a net income by included the tax income. In every activities we need money, and it's our outcome monthly. We assumed the outcomes are :
1. Rent living house Rp 1million
2. Car debt payment per month Rp 1,5million
3. Transportasion cost Rp 400thousand
4. Electricity, water, phone Rp 500thousand
5. Family needs Rp 600thousand
6. Driver, cleaning service Rp 1million
So...... we have no problem if the have outcome on the text above, becaouse our income still accomodate it. But we will face a problem if we don't have consideration about risks and wants. Sometimes we forgot both of these factors. If we already in a bad condition, we thinks to borrow some money to our friends, neightbour, and someone else. This borrow that's we called we have a debt. As long as we can pay our debt, it still give us a breath. If we cann't?? we will have a big problem with debt collector. So, what's the point? the point is we have uncontrolable behaviour to manage our wealth, that's why we have to save our money and have a long term mind about our pension, child's education, and miscellaneous cost.
Here I will give detail information, how to manage our wealth. First step, we have to know our "goal setting priority". What's our goal priority, that's become a Milliarder. The point is, when you are 25 years old now.. you still have the next 30 years potensial time to collect money until Rp 1billion. You have to get Rp 5,5millio/month (assume interest rate 10%/year) or we have Rp 460.500/month. It's very easy for you to save Rp 460.500/month. That's all about long term priority, and than how about short term priority. To solve this problem you will need a principle "first saving and than get shoping", why? because it's easier to buy than we save our money.
To support these things, I also have somesthings :
1. Clear goal financial setting
2. Try to saving
3. Donn't to be comsumptive
4. Have an alocation fund
5. Future education to our childs
6. Prepare your pension
7. Protect needed
I hope several things that I have write in this post will give you advantages. thank you
Kode PPC Anda
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