family finance
Handling Family Finance
Family Finance – Whаt hаѕ thіѕ gοt tο dο wіth LOVE?
Yesterday, аt a couples’ dinner thаt wаѕ рυt together bу ουr organisation, Wе hаd different sessions thаt dealt wіth relationships, sex, communication іn marriage, whаt tο dο whеn communication brеаkѕ down, handling family finance e.t.c.
Thе session οn Family Finance attracted thе mοѕt comments, qυеѕtіοnѕ аnd heated arguments. And I felt I ѕhουld share ѕοmе οf mу views wіth уου today.
Thе following аrе ѕοmе οf thе symptoms οf wrοng financial system іn thе family:
Regular quarreling: between уου аnd уουr spouse shows thаt уου аrе operating a wrοng financial system іn уουr family. More importantly, іt reveals thаt thеrе іѕ a disparity іn financial views аnd probably a lack οf trust. Continuous misunderstanding іn thе area οf finance аt home іѕ a sign thаt both οf уου аnd уουr spouse аrе nοt mature іn thе area οf family finance; уου need tο improve οn thаt.
Family Replacement: If уου hustle fοr money аt thе expense οf уουr family, іf аll уου dο іѕ tο look fοr money аll day long wіth nο family time, nο time fοr уουr spouse οr уουr children; thеn money іѕ working against уου аnd уου аrе working οn a wrοng financial system. Thе best gift уου саn give tο уουr family іѕ уουr time. Hοw саn уου prove tο thеm thаt уου lονе thеm without spending time wіth thеm? Yου hаνе tο сrеаtе time fοr уουr family.
Wrοng Money Usage: Thеrе аrе gοοd аnd bаd ways tο υѕе money. Thаt іѕ whу уου need tο sit down аnd take stocks οf уουr life. Check whеrе уουr money іѕ going; іf іt hаѕ bееn going іntο negative ventures thеn уου ѕhουld know thаt thе future іѕ bleak аѕ уουr spending wіll dеfіnіtеlу affect уουr family negatively.
Hοw dο уου ensure thаt money works fοr уουr family?
Mаkіng money work fοr уουr family іѕ nοt a one-day event, іt іѕ a life-long experience.
Yеt, thе importance саn never bе over-emphasized.
It wіll nοt οnlу ensure thаt уου hаνе enough tο meet уουr family needs аnd obligations, уου wіll аlѕο bе аblе tο even build wealth fοr уουr family. Whеn уου dο іt rіght, уου wіll аlѕο build trust іn each οthеr.
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Be Careful about a Loan!
When we have a problem with our finance or family finance, we will surely do many things we can to solve those problems. On the other hand, there are also many chances or many helps which can be used for solving our finance problem. One of them is a loan. Loan here means that we owe some money from someone or a loan agency to solve our finance problem. This way actually can be a two eyed sword. We have to be careful when we do this way, because if we are wrong in making an agreement with the people who give us money, it will be a disaster for us. The good thing of this way is that we can get fresh money as fast as we want. It surely can fulfill our needs in solving our finance problem. But, don’t forget, that money also may not give us any thing if it can’t solve our problem. When we are wrong in making an agreement, that money will be very useless. It is very bad, isn’t it?
Besides that, we can’t also use a loan for consuming purpose whether our finance problem is about it. It is better to use the money from that loan for running a business. Of course, our finance problem won’t be finished fast. But, when we can do a business and success in it, we can pay back the money and has the other money from the profit of our business for our finance problem. It is great, isn’t it? Of course the theory sometimes is easier than the reality, but it isn’t wrong if we try to do it. We will never know the result until we do it.
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Finance Knowldge for the Teenagers
Teenagers are the young boys and girls which will face their adult life. In this part which is called as teenager, those young boys and girls may be very unstable. They absorb all of the information they get without knowing that information is good or bad. Some of those boys and girls may be able to divide which one the bad and which one the good is; unfortunately, there are still a lot of young boys and girls which can’t do it. Actually, this can be a chance for the parents to give the appropriate information to their children which are in teenage level, especially about the finance. In this level, teenager, those children may become more aggressive. They, like we say before, absorb the information they have got. Besides that, they also follow their friends or the trends. In this case, they want to get some confessions from the people around them. In this level, the parents can guide their children in case knowing about new information named finance. Because they absorb much, the parents can force this information to be absorbed by them. This finance education can be about the usage of money, the saving, or doing a business for improving their finance.
It is surely not excessive because it can be a basic level for them. With this knowledge, they can know and divide the good and bad thing. It is also useful for their future. When they may not be able to get some jobs, they can do a business with what their parents give to them about finance and business. It can be meant that they have been a basic level and they just need to improve themselves to get more knowledge.
Family Business is Easy, really?
As we know, many people in the past have been success in case of growing a family business. We can see Donald Trump, this millionaire is very rich with his business. Now, his daughter continues what he has been done. His daughter also has her own business and also very success. From that example, we can see that a family business is very easy. But, actually the easy thing in this topic is about continuing what our earlier generations have been done. If the condition is like that, it is surely very easy because we don’t need again too do hard effort for growing the business from the beginning. Unfortunately, there is a wisdom which says that the first generation in a business is the grower. The second is the successor, but, the last is the destroyer. As we know, when we build a family business, it means that we have to maintain that business until some generations below. Of course, the people will be changed in every generation. In every generation, it may be success and also it may be loss, depending on the ability of the people who finally handle this business.
Actually, a family business is born because of our effort to improve the family finance, or on the other words, we have to get more money for our family. Sometimes, that family business may be successful, but it can be also bad. The family business is about the power of the generation. If the generation is strong, the business will be stronger too. That is what experience has been proved.
Deposit for Saving Our Money
We surely don’t know
about what will happen in the future. Because of it, we have to prepare everything such as our health, our money, and many others. About money, it seems to be the most important one. In this case, we have to prepare it well. If we are husband, we will work harder because we are the leader. If we can’t work harder, our family will get difficult life. To solve this money problem, we can save our money. After we get our salary, we have to save it a half or some percents. We can save it at bank. We can also save it by ourselves. Bank can help us save our money. They have many programs which can be used to save our money. For example is deposit. This program can be very useful for us. When we have applied this program, our money won’t be able to be taken again until the certain time. It can help us when we want to use our saved money. The money will be kept well in that deposit.
This deposit, after passing the time which has been decided can be taken as we need. We may need it for our necessities. This program has a excess. When we really want to take the money for what we need but it is useless, we won’t be able to take it out. But, if we really need that money for important needs, we also can’t take it too, really ironic. Because of that, we have to be careful about the deposit which we will apply in.
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A Business which Can Improve Financial Condition of the Family
For the people who have their own family, making happiness for their family is a must. But, that is not as simple as the reality. In the reality, many people, mostly fathers have a finance problem which makes them meet some difficulties to create more happiness for their family. To solve this problem, those people have done many things such as adding their working time, doing more that one job, and many others. But, the most interesting way is, doing a business. In this case, the fathers can try to run home business. It means that the business can be done at home. There is much kind of businesses which can be categorized as the home business. The most famous home business is online business. With this online business, the fathers can improve their family financial condition without leaving their job and without leaving their house. They just need to prepare a PC and internet connection, the good one is a must for internet connection.
This online business is actually interesting. It can be a solution for the people who are afraid to leave their job in case of running their own business. Besides that, the fathers don’t need to leave their family, so they will be together all day long, of course after the fathers leave their job. This thing can be a solution to keep the family gathered and spend more time together. Online business can be done in part time even it is better to run it full – timely. Because of this condition, there are surely many times to be spent with the family.
The Children Have to Manage Their Finance
Children can be a creature which can spend a lot of money they have, of course their parent’s money. That habit is surely very dangerous if it is done until they are adult. The parents have to manage their children’ finance if they want to solve the problem which may appear in the future. In this case, we as the parents have to introduce our children about finance management. This will be not only useful for their children at that age but also for their future. There are many tips which can be done for the parents who want to do this way. The first tips, the parents have to manage the money which is given to their children. When the children have got it and they want more, please stop giving them directly. Tell them that it is enough for today. The second tips, you can tell the story about the people who love spending money a lot. It can be fictive but the parents have to persuade their children. The result if this way works well can make the children appreciate well about the money their parents give.
The last tips or the third, we, as the parent have to limit their money if they become so excessive in case spending their money. This way is used for the worst case of the children who spend their money a lot. If the parents still do it, we really have to stop giving them money until they don’t want to be stopped or until they realize what they do is wrong.
Three Tips for Our Future Finance
As we know, future is never known. Because of that, we have to prepare for the future, especially for our finance. All of the people in this world have many problems which are related to the finance. Actually, finance problem will not appear if we can solve it one by one and not add it with other finance problems. There are some tips which can be applied to solve finance problem. There are three tips which are suitable. The first tip, we have to avoid the thing named credit card. This thing is the most popular thing which can murder a person slowly because of finance problem. Those people are controlled by credit card until they are died. In some cases, credit card is sweet in the first thing but it can make those people shout loudly.
The second tip, we have to usually save our money in bank or may be other places. With this way, the money won’t be spent uselessly. With this saved money too, we can prepare this money for our future. We won’t get many difficulties in our future. The third tip and also the last, we can try to do some businesses. These businesses can help us to make a passive income for the future. It seems to be the same with saving money. Of course, this way has some risks, some are big risks. When we decide to do businesses, we have to realize the risks. Those are some tips which we can try. We can choose all of those tips or one of them.
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Some Ways to Improving Family Finance Condition
For the new small family, the thing which may cause many problems is finance. As we know, becoming a family means that we start our finance from zero. It doesn’t matter how rich our parents are. It still means that we can depend on them again. For the family which have prepared well, it will be no problem. But, for the family which has no preparation, it will be a hell. There are some tips which can be a problem solving for the family which have finance problem. The first is surely saving. This way can be the easiest way and the cheapest way but there are just a few people who can do this one. We just need to save our money and after that we can take it if we really need it for our necessities. The second ways, we can do a business to support family finance. This thing is little bit difficult. It is full of risk and need longer time. There are just a few people which can do this way. The participants may be a lot, but all of them can be strong in doing this business.
The last or the third, we can do an investment. As we know, investment can be everything. It can be gold or house. If we have more money, we can do this for supporting our family finance. For example, we can try to invest in gold. Even the price of gold is not fixed; it still becomes a favorite. In some conditions, gold can be very expensive.
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Don’t be Afraid to Run a Business
A business can be very difficult to be done for some people. They think that a business seems to be a cruel thing which can make them suffer or loss something, whereas a business is one of many ways which can be used for improving our financial condition. When we are stuck with our job which just produces little amount of money, we need to do a business to produces more money for ourselves and our family. There are some basic tips for the people who want to run a business, whatever the business is. The first tips, we have to be sure that our decision is right. If we doubt about what we will do, the result won’t be maximal. The second tips, we have to explore about what we will run for our business. It means the kind of the business. Before doing it, the first thing we have to do is, explore ourselves. We surely find the answer of what we will run for our business after we do that “exploring ourselves.â€Â
The third tips, we have to be confident. Even we may not have a capital for running that business; we can use ourselves for that capital. As we know, our whole body has many excesses. We can use those excesses for running a business, for example if we are an expert in computer matters, we can try to run business which is related to the computer. It can be very useful. Besides that, we don’t need to prepare anything for the capital.