Property Pontianak, WA. +62812-5333-7663, Rumah Murah Pontianak, Rumah Subsidi Pontianak

Wajib Mengunakan Jurus Mengelola Keuangan ini

Dapet rumus mengelola keuangan dari salah satu pengusaha di bidang farmasi yang sudah membuka 6 cabang apotik, langsung dipraktekkan.

Penghasilan 1
Gaji Suami : Rp. 1.300.000
Gaji Istri : Rp. 1.200.000
Total ==> Rp. 2.500.000

Pengeluaran 2
Hutang 30%x Rp. 2.500.000 = Rp. 750.000
Pengeluaran rutin 40%x Rp. 2.500.000 = Rp. 1.000.000
LifeStyle 20%xRp. 2.500.000 = Rp. 500.000
Total ==> Rp. 2.250.000

Penghasilan 1(rp. 2.500.000) – pengeluaran 2 (rp. 2.250.000) = Rp. 250. 000 ==> untuk investasi

Asyik gak ? pengeluaran terpenuhi hutang bisa dicicil.

Rumusnya yang kita dapat tuh kayak gini

Nah..bagaimana caranya kita cek kondisi keuangan?

Bisa dengan cek neraca atau cek arus kas atau paling tidak kita membuat tabel arus kas sederhana sbg contoh dibawah ini :
Gaji suami ( a ) Rp…….
Gaji istri (b ) Rp……
Penghasilan dari bisnis ( jika ada ) (C) Rp…… Total penghasilan bulanan ( a+b+c ) Rp…….
Cicilan utang (a) Rp…… ( max 30% )
Pengeluaran rutin ( b )Rp….. ( 20% – 40% )
Pribadi ( lifestyle )( c )Rp …… ( 20% )
Total pengeluaran ( a+b+c ) Rp…….
Total penghasilan ( 1 ) dikurangi total pengeluaran ( 2 ) akan menjadi tabungan atau investasi …. minimal 10% – 30%

Gampang bukan?

Dan ingat yang paling mendasar dalam perencanaan keuangan adalah : *dana darurat, *dana pendidikan anak dan *dana pensiun.
Oh ya bagi yang punya usaha harus memisahkan keuangan pribadi dan keuangan usaha dan mengambil gaji dari usaha tersebut.

Dan jangan lupa keluarkan zakat maal jika udah sampai nisabnya.

di SHARE aja gak papa kok mana tau ada saudara atau teman yang ingin berhemat atau terlilit hutang terus bingung melunasinya.

20 thoughts on “Wajib Mengunakan Jurus Mengelola Keuangan ini

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