Yes, this is a fact that happens, we often feel salary is not enough, still less, let alone for savings or investments, fulfill our desires are still lacking, so once again still less!.
Then the next question is how much salary is reasonable for us? Readers are wise, to answer it would be nice if we make an honest evaluation and introspection, for it please to answer some questions below and record the results:
1. How long (years and months) I have received a salary?;
2. How many times have I experienced a salary increase?;
3. How rupiahkah when we received my first paycheck? How big rupiahkah my current salary?;
4. Will I always pay the mortgage debt each month?;
5. Is there any part of the salary that can be stored for investment?
6. Is my current deficit (salary can not survive until the end of the month)?, If she answered 'no' then we say goodbye but if jawabanya'ya 'then this is where lies the problem.
For those of you who answered 'yes' then the next step is to do your income valuation, in doing valuation, the answer is there are only three groups, namely:
1. Stages of the poor (Poor Income Valuation);
2. Stages of the fair (Fair Income Valuation);
3. Stages of an ideal (Ideal Income Valuation). Well here is an explanation and solution of the group - the group:
Stages of the poor (Poor Income Valuation): is the stage where the condition of total expenditures greater than income or known as the "Big Stake from the Poles", in this condition a deficit cash flow or negative weights accompanied by monthly installments payable over 45 percent of the total of income.
In the case example above shows that: 1. Expenditure (deficit) Rp 1,250,000. 2. Mortgage debt exceeds the normal maximum limit per month ie excessive deficit amounting to Rp 1.85 million or 23.13 percent of the mortgage debt limit of 30 percent or Rp 2.4 million.
This means that, in that case, which concerned the potential to cover the deficit (lack of) by adding debt. Hmm .., has the potential to 'dig a hole close the hole', watch carefully if the oversize hole will be easy to fall!. Debt is usually obtained from Credit Cards, Loans Without Collateral (KTA) or with other types of debt. The way is very dangerous and can not be justified.
I say that the condition must be stopped and this habit, stop as soon as possible. My advice is to this condition should immediately ask for financial assistance, remember the help and not a loan for a short period of time. Or try to make long-term soft loans, will eventually be returned if it has any ability.
The loan guarantee is what? if any property can be guaranteed, but if there is nothing so the only way is a personal guarantee (myself), this can be done by calling the relationship or a very close family.
Well any tips you should be clear, in the same time before you borrow or ask for help, you also have to find a solution with the aim of increasing the income it can be done by:
a) While you are still working, you are obliged to seek additional revenue (through capital loans to businesses with a relation or next of kin are) doing a feasibility study that accurately and objectively so that the potential success of your business becomes bigger than the possibility of failure;
b) Attempting to increase salaries by moving to work or perform work even harder (mainly for the salesperson or salesman) so that the commission or bonus increases;
c) Pressing regular expenses (do efficiency) with strict;
d) Do not forget to perform risk management by life insurance with a sum assured is sufficient to return the loan (remember death will surely come, but unknown time);
e) As the input is of type YRT life insurance (Yearly Renewable Term) instead of another, for example a male non-smokers aged 35 years, sum USD 500 million, the range of premiums on insurance YRT per year is Rp 1.5 million to USD 1.75 million.
Next, you must convert to a reasonable stage, the following explanation:
Stages of the fair (Fair Income Valuation): is a condition where you do not deficits, big debt remained above 30 percent of revenue, but is concerned is able to make investments for the welfare of him and his family later, serving a minimum investment amounts to 10 percent of income . Then is how do we change from poor conditions (poor income valuation) into a reasonable condition (fair valuation income), well above for the case of how much income is reasonable?, Here is the formulation of fair valuation of income, namely:
Total spending in deficit / 90 percent
Why the divisor should be 90 percent? This is because to achieve financial freedom or your zone is richer then the mandatory minimum of 10 percent set aside income and placed on the right as well as investment is concerned also have to maintain the mortgage debt continued to decline until perilously close to the maximum limit of 30 percent of your income.
So the case (Table 1 above) income to $ 10,277,777. Or for details please see the following table
Analysis: the table shows that the deficit is zero, and mortgage debt to income declined from the weight of 45.95 percent to 41.35 percent. The condition has been better though not yet a stage ideal (Ideal Income Valuation).
Last stage is the ideal stage (Ideal Income Valuation): at this stage the individual / family is already on a sound financial corridor, which is appropriate table:
The formulation is Ideal Income Valuation:
Perbulan/30 percent debt repayments + expenses (excluding mortgage debt)
Analysis: seen that the weight of mortgage debt has reached less than 30 percent of 22.17 percent and a surplus of revenue amounting to 41.74 per cent and there are excess funds can be added to an investment of USD 8,000,000 or 41.74 percent.
The next question is how do I get the extra income?, The answer is already stated in this article that is in the form of your tips or ask for help before borrowing funds (point a to e). This is not easy but at least it's not something impossible. At least you already know the limits of a healthy income in accordance with your condition.
In this case the income deficit of Rp 8.000.000, - to be enlarged into a surplus in the range of Rp 10,277,777 to $ 19,166,167 for the corresponding can be richer in the future.
As information of income and mortgage debt in question here is can be considered income and installment uutang combined (husband & wife).
But contrary to realistically we must be prepared and shall perform 'super extra tightening' of expenditure if forecast to earn extra income not yet appeared, although funds have been available
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