Create a list of debts

Initially quite complicated to merge all documents into one. However, this can allow you to pay all the bills on a regular basis. List in detail the number of each bill, pay each month, and increase interest.  Put in your loan money from friends to your list of debts.

Come on, break your bills

Distinguish the debt trap and can still be tolerated. Mortgages and car installments can be categorized as a debt with a number of bills that keep the same from time to time. Another case with a value of credit card receivables will continue to increase interest and make you more and more hooked.

The main priority

Arrange the highest level of interest charges. Then prioritize your bill payments from a list of debts. Pay all debts as minimum as possible so that the flowers do not hold sped up. Ignore your needs are not too important

1. Create an agreement to sit together and share their strategies and investment budgets.

2. Plan regular meetings, eg once a week, to check if you are both still be on the right track. Peel back spending over the last week and encountered obstacles.

3. During the meeting, planned spending for the week ahead. Give the plan in advance to the money your buddy about it, and how much money the plan will be issued. It is useful to help you avoid the temptation to spend more money than planned.

4. Create an agreement to set aside some money each week, if you both managed to comply with the budget plan. Thus, after some time you and your friends can reward themselves with small pleasures, such as outdoor dining or a visit to a spa.

1. Steady Position
Before running the job or the business side, make sure first that your position on allowing companies to run them. Outstanding technical workers, are less likely. If you’re still in a technical position, it is better used to calculate carefully if you want a side job. Technical portions of work intensity is usually high, strict working hours.

One-one you reprimanded, even fired. Because the concentration and your energy depleted because of job on the side. As with the general manager’s position has not any attachment to working time. However, if the application of strict working hours also apply to managers, should be considered first.

2. Avoid Conflict of Interest
Select job on the side that is not similar to the business of the company where you work. If similar, there will be competition between you and the company, and led to relationships that are not harmonious. Select the field you know. Suppose you love and hobby of sewing. You can receive stitches or sewing manufacture goods that may be preferred to others.

3. Do not cheat
Use the sideline working time outside office hours. Although the job on the side is so exciting, but remember, your main job should not be neglected. You can take advantage of free time and the end of your pecans. Do not steal office work time. If you intend selling in the office, looking for a break or before and after working hours. In this way no one feels disturbed by your activities. Whatever you have to remain focus target finish your main job.

4. Carefully Managing Expenditure
Do not let the big pegs than the pole. Have sufficient capital. Avoid digging holes to close the hole. Many cases of side business faltered because many delinquent-tax arrears, in installments, and the case of unpaid debt.

As a result, the wheel will affect your business, it could be your employees’ salaries, which should give according to their rights, interrupted or delayed because of the money spent for pay arrears, and other trappings. Actions like that make your employees away from work.

5. Create Planning
Use your business with careful calculation. Usually because too excited, one thing became less accurate in the calculation. Do not use assumptions. Better assumption is tested first. If the calculation is missed, it will be bad for business you are pioneered. Ask for advice to business experts, and many reading books about entrepreneurship.

6. Family Support
Before running the business, better tell the wife or husband. This was to avoid misunderstandings due to reduced time for family because you’re enterprising business. Besides the moral support from family enough to encourage you to vibrant living. But remember, do not be too force themselves.

When developing a good business, try also not sink continuously in the business of this. Give yourself time to relax and pamper yourself. This is to avoid yourself from stress.

7. Ready to Face Risks
All jobs have risks that must be borne. Similarly with the business side. Risks include the risk of loss,  bankrupt. If bankrupt, then it becomes a person in consequence of opening a business. However, it does not mean people who succeed have a side business is also successful in his career.

Could be he had to leave the business side because it is very disturbing main job at the company. Or conversely, if forced to sideline your career fulltime and leave the workplace earlier. Even worse is the risk fired for declining productivity accompanied by a side business that went bankrupt. Struck down the ladder had fallen.

1. Commitment
Make a commitment to ourselves. Only you can go and make changes to achieve financial freedom that had been coveted by you, not someone else. View your reflection in the mirror, and imagine your dream figure, especially one who has full control over finances.

2. Assistance
You do not have to go through all these difficulties alone. Discover steppingstone to ask for help from people who understand more about personal finance. Locate relatives, friends, acquaintances, or even professionals who can be interviewed and asked for assistance to resolve your situation.

3. Goal
Declaring a desire to be financially independent is the core statement. You have to set small goals that are more specific to help achieve the ultimate goal. Whatever the path taken to achieve big objectives – ranging from track spending for a month, sets and adheres to financial budgeting, saving certain amount of money for an emergency fund, or pay off credit card debt every month – write down new goals on an ongoing basis so the previous goal is reached.

4. Measured values
If you do not know the value of your sales, how can negotiate a decent salary and make more money? Find out how your value by conducting an investigation into the position occupied by, or ask the people inside. According to Linda Babcock, author of “Ask For It ‘, all things in the workplace is available to be struck, from the project, the increase in salaries, wages, hours of work, responsibility. Overall, he said, could be negotiated.

5. Marketing themselves
If you are not selling as high as expected, do not get discouraged. Because, you can still find creative ways to market yourself, like taking a course to add expertise, or volunteer in an organization related to your career interests.

6. Satisfactory performance
The ability to earn an income is your greatest asset in achieving financial freedom. Therefore, be required companies to show superior quality in every job. If there is a chance of promotion, you have a better chance to get it.

No matter how big or as complicated as any business run, you have to remain mild. Stay focus on your own business and dig deeper to improve your business.

Business tips:
* Dig deep in talent that possesses. Sharpening with a course or read a book.
* Do not ever stop trying to produce a masterpiece.
* Do not easily give in to his business. Make a failure as a lesson.
* Use promotion opportunities as possible. Like open the internet site or follow these exhibitions.
* Try to target a large company or bank. Besides going to get sufficient capital, you’ll also get a wider connection.

1. Get better prices in your cards
Doing your monthly payments a step further by obtaining better prices on your credit card. Opening new accounts by offering an excellent introduction, such as 0% on transfers, will soon help you get jump pay your debts. Just remember that some transfers are not permitted if the same finance company applies both cards.

2. Conquer your debt

Once you have lower interest rates, you can begin to conquer your debt by paying the account with a strategy. Take the savings from lower levels and apply it to cards with lower balances. And ask your credit debt settlement about how you are negotiating with banks to handle your credit card debt. When you have the card paid off, start making payments over the next highest balance. Snowball affect, will eliminate your debts in a short time.

3. Statements for low prices and a payment schedule

Consolidation of your credit card debt into one easy to pay loan can help you qualify for a lower level and provides a structured payment schedule. With a secured loan, like a home equity line of credit, you qualify for some of the lowest available price. In some cases, you can also get tax benefits from using the equity in your home.

Consolidate credit cards also helps you control your payments by choosing a term that meets your budget needs. So you can choose five, ten, or more years to pay off your debt. You can plan around fixed payment or choose to pay off the principal early.

Whether you choose to apply for new credit cards or loans, make sure you shop for the lowest price and cost. A few minutes of the request and compare your offer will save money that could be better spent to pay your debts.

Steps that can begin women in managing finances:

1. Paying off debt
Although financial management already cluttered, not too late to fix it. Especially if you have the amount payable for patchwork. Start setting aside money from revenue to pay debt. However the debt to your obligations. Unpaid debt, will gradually destroy your credibility. Your reputation is at stake if the liability (debt) still not settled. Allocate a maximum of 30 percent from a month to pay salaries or debt repayments.

2. Save
Convince yourself, that regardless of the value of income, so can be set aside for saving. Allocate funds 10-20 percent of income for savings. To be able to carry out this plan, limit consumption. Women often tempted by any of the goods purchased is actually not too important. In fact, sometimes only carry the influence of friends or a trend. Begin firmly to yourself, by making the priority needs of a much more important.

3. Emergency Fund
Prepare also a reserve fund as an emergency fund. There will always be unforeseen needs, such as serious illness and should be treated. Hospitals need not cost a bit right? Start setting aside funds amounting to five percent of monthly income. Prepare an emergency fund up to six months ahead. As a precaution, make a special passive account for emergency funds, or acting as a savings. Separate accounts are passively activated from the special account for everyday needs.

4. Insurance
After deducting the monthly routine needs, paying debt, saving, and preparation of emergency funds, the remaining income can be used to buy insurance.

Polar life insurance for the head of the family. Anyone who has become the backbone of the family, woman or man, should have life insurance. Because if anything happens to the head of the family, family life can still walk and given of insurance for a specified time.

In addition to life insurance, other insurance types that can also be given priority among health insurance. Also insured property, let alone used to do business, such as kiosks or stores.

5. Investment
Set aside money for investment, should be done after obligations have been fulfilled. The simple shapes, if you have more funds, invest your money in gold. But you should be careful when investing gold, notice and understand the value of sales and quality.

Allocating money for investments can be taken from other revenue sources. As THR, bonus, inheritance, or other income outside the main income. Many kinds of investments, the risk varies, as well as with its investment in the future. Should identify more carefully before selecting an investment product.

If all five of this obligation has been fulfilled, monitor expenditure and adjust the plan that has been built. Disciplined use the money to be key to the success of financial management. 5 Obligations in Managing Money

Whatever your job, and regardless of income every month, should be better managed to avoid a deficit. Management and proper financial planning will give the solution of financial problems. Including developing self-sufficiency, particularly for women heads of households.

Nini Sumohandoyo, Corporate Marketing & Communications Director, Prudential Indonesia said, women are often denied could never spare the money. Including to save let alone invest. In fact, by reducing the consumption of goods that are less important (with limited financial conditions), such as jewelry or clothing different variations of the model and color, women can set aside Rp 300,000 each month.

“By leaving money USD $ 300 000 only, women can save money, have insurance or other investments,” said Nini, on the sidelines of financial planning and management training for 300 women street vendors, held by Indonesia at Wisma Prudential Mandiri, Jakarta, Wednesday (14 / 7 / 2010).

Nini describes steps that can begin women in managing finances:

1. Paying off debt
Although financial management already cluttered, not too late to fix it. Especially if you have the amount payable for patchwork. Start setting aside money from revenue to pay debt. However the debt to your obligations. Unpaid debt, will gradually destroy your credibility. Your reputation is at stake if the liability (debt) still not settled. Allocate a maximum of 30 percent from a month to pay salaries or debt repayments.

2. Save
Convince yourself, that regardless of the value of income, so can be set aside for saving. Allocate funds 10-20 percent of income for savings. To be able to carry out this plan, limit consumption. Women often tempted by any of the goods purchased is actually not too important. In fact, sometimes only carry the influence of friends or a trend. Begin firmly to yourself, by making the priority needs of a much more important.

3. Emergency Fund
Prepare also a reserve fund as an emergency fund. There will always be unforeseen needs, such as serious illness and should be treated. Hospitals need not cost a bit right? Start setting aside funds amounting to five percent of monthly income. Prepare an emergency fund up to six months ahead. As a precaution, make a special passive account for emergency funds, or acting as a savings. Separate accounts are passively activated from the special account for everyday needs.

4. Insurance
After deducting the monthly routine needs, paying debt, saving, and preparation of emergency funds, the remaining income can be used to buy insurance.

Polar life insurance for the head of the family. Anyone who has become the backbone of the family, woman or man, should have life insurance. Because if anything happens to the head of the family, family life can still walk and dinafkahi of insurance for a specified time.

In addition to life insurance, other insurance types that can also be given priority among health insurance. Also insured property, let alone used to do business, such as kiosks or stores.

5. Investment
Set aside money for investment, should be done after obligations have been fulfilled. The simple shapes, if you have more funds, invest your money in gold. But you should be careful when investing gold, notice and understand the value of sales and quality.

Allocating money for investments can be taken from other revenue sources. As THR, bonus, inheritance, or other income outside the main income. Many kinds of investments, the risk varies, as well as with its investment in the future. Should identify more carefully before selecting an investment product.

If all five of this obligation has been fulfilled, monitor expenditure and adjust the plan that has been built. Disciplined use the money to be key to the success of financial management.

1. Preparation
You already have plans to start a business? The first to be determined is the goal, which include, what type of business you are doing, whatever the initial capital must be owned, and where are your target market.

2. Save
Starting a business would require not a little capital. A financial consultant, Michelle boulevard recommend, you must save for at least six months prior to starting a business. While saving, six-month period could also be used in your preparation.

There is also a good idea as long as six months, you make savings on routine expenditures. That could create more savings to start a new business.

3. Prepare Resignation
After doing the preparation and collection of capital, it’s time you prepare the resignation process. Do not underestimate this. Although there are provisions for at least one month notice before the date of resignation, but you also must complete the entire job or project that is still running.

Do not let the talk of resignation and leave a bad impression on the company. Therefore, start making a tight schedule in preparing the work to be completed in accordance with the time of the planned resignation.

4. Specify Company Type
Once you quit, start to determine the type of your company. Was it PT, CV, and so forth. Then register your new company to the legal position.

5. Create Preliminary Budgeting
Budgeting early in the new company to run is very important. Calculate carefully what the company needs to start from the purchase of goods of daily expenditure. Also calculated with target profits who want to obtain. Do not forget to consider tax. You do not want to be the one who cost the state right?

Now everything is ready. In order to continue running your company, the need for stronger ties with client relationships. Trust of clients is one key to success.

Franchising

Fields that have not been touched upon for example the agricultural seed sector, the agricultural sector franchise opportunities are still very opportunity to be excavated.until now no franchise in charge of the nursery, flower cultivation, animal husbandry, fish, poultry and others.

Though this type of franchise can be a synergy in the downstream businesses such as franchise owner of a farm / ranch can be combined with a restaurant franchise.

Although the franchise to reach the point of certain segments particularly in the field will take some time to process. Currently the food-beverage sector is still a lot of selling enough units ‘franchise’ is still a business opportunity (BO) aka untested as a franchise.

Currently he said about 40,000 of the total franchise outlets and existing BO, BO was growing more rapidly than real franchise.

For the year 2010 BO growth could reach 10-12% while the franchise is only 2-3%.