Managing finances is important, especially when the baby is born in the family. The extra cost is definitely not inevitable. Husbands and wives must have a strategy to manage the family finances after the baby is born.
Happy, the baby is already present in the middle of you and your partner. Definitely a lot of that has been prepared. Ready mentally, physically ready and well prepared in terms of financial. All of it must be prepared carefully. The presence of the baby as a new member in the family must augment our expenditures.
Household expenses for baby can be to buy toilleteries babies, diapers, immunizations, clothes, consulting doctors and others. If the spending budget is not prepared properly, can-can disrupt cash flow daily routine. Of course, this situation could make the financial position of the family, in the first year to be fucked.
Bring income. Certainly there are differences in financial management when not married and after marriage (especially with a baby). Any tips from expert financial planning, Dr. Adler Haymans Manurung, who is also Director of Investment Management at one of the company's securities. According to Adler, if already have children, the amount of spending increases so, inevitably, about 60-70% of the revenue is used for routine monthly household expenditure.
Adler suggests, despite increased expenditures not to neglect themselves do not save. "That 30-40% of the revenues should be set aside for savings. It requires discipline and consistent husband and wife, "explained Adler. This also applies to spouses with a single income, which is only one of the parties who receive income. "Be consistent and disciplined financial management. Do not bother saving money, "said Adler.
Spending swell. When the baby comes home in the middle of life, in addition to consistent and disciplined, the parents should also be more carefully manage their finances. "The presence of a baby, resulting in expenditure changes quite striking, especially when children under the age of 1 year because it takes a lot of money for shopping, like buying milk, diapers, clothes and so on." Be thankful when wives can provide the exclusive breastfeeding her baby, so new mom and dad can be 'freed' from expenditures to buy some cans of formula milk for babies in one month.
Quite often young parents spent a considerable expense in a month to buy baby milk formula, "added Adler. Indeed, this bloated spending can be reduced in various ways. Here are tips on pressing expenditures after the baby is born:
Buy affordable. "Adjust the needs of children with the financial capacity of parents. For example, parents can carefully choose affordable infant formulas with nutrients that are not less good with high-priced milk formula. You have to sort through smart spending, "said Adler.
Sure there is sustenance. Furthermore Adler added that young parents should have confidence about the provision they receive. "No need to fear your money runs out because there are children. Believing that God always gives sustenance. Just how you sort out the expenses and is consistent with the financial management of this family, "said Adler.
Eliminate unnecessary. Adler advised young couples should eliminate the use of credit cards. "If your salary is still felt mediocre, it helps eliminate the use of credit cards for making your debtor. But if your salary is great, it's okay to use your credit card because you can 'play'. In addition, for families, with income noticeably mediocre or less, it is worth looking for additional income, "said Adler.
{ 0 comments... read them below or add one }
Post a Comment