Previously we have alluded to the subject of routine expenditure in the last edition and this time it was time we finished peeling the annual expenditure. Entering the second quarter of this year I think is still relevant for us to evaluate the annual expenditure management.
The main tips of KC123 for the year’s expenditure is for the expenditure of its annual, use the income that comes, too, such as the annual holiday allowance (THR) or a bonus, unless the pattern of an individual or household income does not remain in character the necessary installment periodically and discipline. I try to help you decipher what expenditure would ’seasonal’ is, as follows:
Tax payments, such as the UN (property tax) and PKB (vehicle tax), which are not witholding tax as salary income from the tax office has been deducted in advance by the employer.
For brothers and sisters are traders, fishermen, farmers, and other fields freelancers can repay the annual allocation of funds for this because the pattern of cash flows that are not fixed. If you want to turn over a vehicle, also cicil BBN (vehicle registrations) of your vehicle, do not be forgotten.
Payment of insurance premiums, which strongly suggested an annual basis rather than pay the policyholder semiannual, quarterly, monthly or even because of relatively cheaper. In addition, also made by adding a momentum to evaluate insurance coverage when the new family member is present or add to the health insurance protection for the facility from the office when this is felt less.
123 KeluargaCerdas want to remind you to prepare at least health insurance, life, permanent disability (dissability), critical illness (critical illness) and life insurance to protect you and your family as well as the existing economic potential as you work in order to save or invest for consumption on future. For brothers and sisters whose income is not fixed, we recommend returning to repay the funds.
Holiday shopping. For those who work as private or government employee, this reference is the feast of Idul Fitri in which a company or employer to give some cash and goods to their employees.
Many of the needs appear here, ranging from clothing to food and even transportation costs fest with their relatives and colleagues, especially those who intend going home or family vacation at the same time.
Always remember to remove the cost of what is necessary and not desirable, let alone something to be proud of. Special food and clothing budget in order not to overload, instill in every member of the family about the concept of food and buy enough clothes.
Enjoy the result of hard work and your busy family, by taking a little time to recharge energy for the next life, with positive activities whether it is for just relaxing or educational.
Do not forget also THR for workers or your employees (housekeepers, child caregivers, caregiver parents, drivers, gardeners, security guards, and others) even beloved parents and other family members who need your support.
Maintenance or purchase of property. Is it a big annual service for your car or motorcycle, home renovations to make it look fresh and not leak so your investments and I remain untreated, up to purchase a vehicle.
Along with the use of four-wheeled vehicles in particular will increase kilometer, well in multiples of 5,000 kilometers and 10,000 kilometers of service normally required to maintain the road condition is still feasible and safe.
In addition, in line with our long inhabited the house sometimes appear leaky roof or wall seepage because the lifetimes of factors that needed renovation to keep it a little more hospitable.
For those who get the job bonus can be a good vehicle buying discourse appears the main vehicle or the next, for mobility needs. KC123 again recommend saving efforts in the discipline of each month for those whose income is not fixed in order to cover the potential annual cost for maintenance or the purchase of these assets.
With annual revenues, many other things can be done. For example add an emergency savings fund, pay off some or all of the outstanding debt, especially consumer debt, even buying properties as investments, do cost averaging or switching portfolio share investment portfolio so that recovery can occur, and so forth.
I would say that in a matter of money what is relevant for parents is also relevant for children. How its application to the next generation? That should have in mind that you and I are interested in transmitting an understanding of money management early on so that the future of children and this nation better.
Money management for children
You can try to introduce the children a number of money management topics, especially the annual cash expenditures, such as: Tax. Recommend to older children if the tax is a way to share with others, the mechanism through the Government.
Why is that? Because the money raised by our government, including from individuals to use for poverty alleviation, infrastructure development, paying the state apparatus (the executive, legislative, judicial) to perform the duties to serve the public.
The point is to tax transfers of wealth to other mechanisms. In addition to taxes paid on homes and vehicles, you can also consider teaching by example as simple as pay for goods purchased in a store or when we pay the food bill at a restaurant, for example, already includes the cost of taxes.
Holiday shopping. Each year the holiday usually is always highly anticipated because the children could meet family members there, there was a dinner together, share the prize money and goods. Teach children to be grateful first to God and to share gifts received with others, especially those who live abased.
Property maintenance. Children need to know that with time and usage of the condition of the house can also ‘wear’ because of the weather and utilization, such as the roof of a house for example. Well, care is needed in order to remain comfortable house occupied conditions.
Or it could be exemplified by a family of vehicles used, if necessary servicing regularly to keep safe driving and road-worthy. Do not forget to treatment is important for us to cultivate and maintain property owned consciousness so that our nation will not be labeled as a society can only build but can not take care.
For those of you dear reader, if you’re a freelancer or do not get a THR / bonus I remind you again to the discipline of pay in earned income for this budget your annual expenses. Do not forget there is no moon the moon was fat and skinny, so bijaklah manage your spending patterns compared. Good luck and hopefully useful!