Jugglingart.Org

Earn money from multiple sources is very important, because that way you can get more money and earn a substantial income is more stable. Earn money from many sources has become the desire of all people today , because to meet daily needs is no longer enough just to rely on your salary. Moreover, if something untoward happens, like losing your job, or maybe you or your relatives have severe pain or severe accident.

I know no one wants it all happened. But all of that is very likely to occur in all people. We never know what will happen, tomorrow, day after tomorrow, or a year longer. And suppose untoward thing is happens, what happens if you do not have a lot of sources of money? Did not have the preparation to anticipate unwanted things before?

Therefore we need to create multiple sources of money, and even better source of money is creating a lot of passive income. That's not a difficult thing if we want to start it. Investing is one way . Investment can be realized by buying / building a house. Business investment can be done by opening the retail store business.

On the Internet is not much different. You can buy / build a website, business, or develop some kind of services on the internet. And on the internet, as long as you can run the internet marketing, you certainly can build and develop anything to make money for you, and then make it as passive income .

Business on the internet is an alternative way that can be done by anyone, from any background to turn his life into a life as a dream. With the internet, you can take your business wherever you go. Just carry a laptop, or tablet which is connected to the Internet. In addition to having your own internet business, you can also join affiliate or reseller program . This is also promising. You simply not only absorb knowledge, but you also have the opportunity to earn extra income.

There are people who have more than 100 sources of income from the internet. Yes, it's true. And they does very simple. They have a website, and got a product. This product could be the product from their self or other people's products, and they just do promotion only. Yes, it's just easy to get money from the internet.

The most important thing when you decide to start a business online is commit and ready to do everything to produce. If you are able to commit to anything until you make money, and you will not stop until it works, then you certainly will not fail. Until you know how much fun it can be to make money from the internet, you will never be able to stop. It's like an addiction to do it again and again.

For those of you who intend to start an internet business, ask the people around you about your business on the internet. If nobody cannot explain it, it means that no one can give you the information. You specify the fate of your own future. Want to continue to live like today or want to change your life.

Become a Millionaire is not as easy as turning the hand, an entrepreneur must have three things in starting a business property, ie knowledge, skill, and passion. These three things when combine will achieve your dreams to become rich and financially free through property. These three things of course need hard work, willing to learn, and be consistent.

Real Estate is a great sector for investment; there are many benefits of investing in real estate. The amount of investment returns may varies depending on the property owned, whether it is land, a single home, a luxury condo, or pre-construction real estate. A profit factor in real estate is more influenced by the location and the availability through all types of public facilities. But at the macro level, the real estate business can be affected by political factors, as described on Jenny's blog.

Rental income is the most favored income by the real estate investor. People who have property build their property for additional profits and rent it out to someone else to enjoy the monthly rental income that make them financially strong for further investment. Apart from the rental profits, the reason people invest in real estate is because real estate prices usually tend to rise each year. That means investors are hoping that in the future, such as their age is not productive anymore, they are still able to enjoy life because having a real estate savings. They hope that in the old days they would get financial freedom by owning real estate.

Why do you need extra income? One of the key to financial prosperity in the family really is not in how large the amount of your income, but how do you manage such income. Regardless of the amount of income in your family, if you can not manage it well, then welfare will not achieve.

However, should you not need to sadd extra income in your family? Not really. Large income does not guarantee that your family can achieve financial prosperity, but large income can help your family prosper. So once again, great income does not guarantee, but only help. Therefore, it would be better if you could increase your revenue sources.

There are a number of ways to supplement your income in your family:

1. Working as an employee

2. Work by relying on the expertise

3. Running a Side Business

4. Investing

1. Working As An Employees

You can earn extra income by working at a company. You can work as a secretary, bookkeeper employees, administration, or whatever it is. Importantly, you get a paycheck. So at this point if you do not work and only your husband's work (as an employee as well for example), then by now you also work as an employee, then there will be two salary in your family.

Or, if for example at this time you've worked as an employee, maybe you can become an employee also in other places. So you get two salaries. A friend of mine worked at a company from 9 am until 5 pm. While the evening he also worked in a restaurant from 6 pm to 10 pm. He got two salary in a month.

What is the advantages and disadvantages to working as an employee? Clearly, working as an employee is good, because you just come, work, and at the end of the month get a salary. You just need to obey the rules of working hours only.

The drawback, of course, that if you do not work, you will not get a salary. Simple as that. That is why many people who are aged 50-60 years and still working as an employee for fear of not getting a salary if he does not work anymore.

Working By Rely On Your Expertise

If you have any special skills, you can work and earn fees from it. For example, if you can sing, you can sing at parties and get the fee. Well, if you can teach, you can teach and get the honorarium.

Work by yourself must be distinguished by working as an employee. As an employee you get a salary, whereas here you do not get a salary, but get the fee. Examples of those who work by relying on the expertise and get the fees in general are the artists who play the soap opera, or a doctor and an architect who opened his own practice to get paid from the patient or client.

If you notice, in fact almost every person had the expertise or specialized skills that can be sold. The problem is if you dare to make the expertise or skills you have to be sold to the public?

Excess work by relying on expertise is that you will get the income that is consistent with your skills. That is, you will be motivated to further deepen your expertise so that it will get paid more. The drawback is, if you do not work, you will not get paid.

Running a Side Business

Why do not you try to run a side business? You can open a shop or stall. You can open a service bureau that sells all kinds of services. Why do not you try it?

The important thing here, a side business that you run someday will leave their management to subordinates who you trust, so you do not need to continue to engage in it for the rest of your life. Shop for example. You might be able to open a store selling goods of daily needs. After a few months, you could give the management to your subordinates (which you pay of course), so you can be comfortable watching TV at home but can still get the income of the store each month. This is the advantage of running your own business.

Maybe you think that to be successful in the business need substantial capital money. But you may not believe, the success of a business often does not depend on the size of your capital. Please see around you, there are many people who succeed in business with little capital. The most important thing here is the idea.

There are some businesses that require a substantial initial capital, but many businesses that do not require initial capital that is too big. The most important thing here is how you can "outsmart" the amount of money you have now to be sufficient to be able to run a business idea in your head. By running a business, you are automatically better trained to be independent and survive. That's the other advantages of running your own business.

Investing

Do you have excess money? Why not invest it? If you have $1 million, maybe you could make a deposit, and there is additional income from the interest.

You've got stuff you do not use anymore? Furniture for example? Why do not you sell it and invest the money by buying gold, for example. After a two or three years, let's hope that gold prices are rose. Well, the difference in price increases is additional income for you.

For those of you who are single (have no dependents) and live in their own home, why do not you just rent out of your home? Thus, you will get additional income from the rental income the house every month or every year. Or if your house is rather big, why not rent one of these two rooms to be used as boarding-lodging petty? You will be additional income from his boarding money, right?

Willingness Is The Important

Looking for Extra Income is actually not difficult. The important thing is you've got the will. If you do not have the will to want to earn extra income, then any way indicated to you would be hard to receive.

So, all originated from the will. If indeed there is no will, yes, your circumstances remain as they are now. But if you really want, you have 4 options to earn additional income as above.

In the last number,I have discussed about the need to increase your revenue by opening a side business. This time, we will discuss about what you need to consider if you want to open a side business.

1. KIND OF BUSINESS

Decide first, what kind of business you want to run. Do you want to run a small restaurant business? Do you want to open a business stitches? Or you are interested in opening a small retail store? You can also open a service business like making cakes or drinks.. What about souvenir business? You can open a small store that sells trinkets such funny glasses or something. In principle, all businesses can be divided into:

Line of Business are still rare or no one has started.

Some of you may hesitate if you want to start a business that does not exist or is still rarely done. But that does not mean you will not succeed. Look Aqua. When first introduced, many people doubt whether Aqua can succeed in the market, but never before have entrepreneurs who sell bottled water. Even many who sneer at first: what would anyone want to buy water at a price more expensive than gasoline? Moreover, we can cook their own drinking water at home.

In fact Aqua has a huge success. One proof of this now Aqua keeps popping up as bottled water brand than others. One time I ever came into a restaurant and order a drink of water in a restaurant. I asked the waitress, "There are Aqua, would you prefer?" Waitress immediately replied: "What kind of Aqua, sir?" The conclusions, start type of business that are still scarce or altogether new is not a taboo. There have been many successful examples.

Lines of business that has been done

You can also start the business sectors that have been made. If it was a lot of people hesitate to start a new business field, but on the other hand there are many people who hesitate to start a business that has a lot of running. For example, many housewives who hesitate to open a sewing business, as in the surrounding area has much to do.

Actually, even if you're just standing seam effort, but if you have excess or characteristic than your competitors, there is always a chance to succeed. Not to mention the factor of good service, then your efforts despite the many competitors who first stood still be successful.

2. LOCATION

Where do you want to open your business location? At home? Or you want to rent a small place on the roadside? Or you want to rent a shop?

Do not forget that in some types of business, location plays a fairly important. For example, you may decide to open a business selling spring rolls. Well, you can rent a small booth at the mall and sell your spring rolls in it. Here, you must determine where the exact location of your businesses.

Or you want to open a shop that sells all daily necessities such as detergent, soap, rice, cigarettes, and others. You can open a shop like this at your home. There have been many examples of stalls set up in houses and quite popular.

3. CUSTOMER

How do you get your customers? Or if the service business, how do you get clients? Are you going to start to promote it by word of mouth? Or are you going to make flyers and pass it from house to house?

Some people I know promote their business by placing signs in front of his place of business. There is also promoting his business by placing small ads in the newspaper.

The important thing here is you've got to know in advance about how do you want to getting customers or clients of your business. If no customers, there will be no sales. If no sales, then your efforts are not successful enough. Simple as that.

4. LABOR

How many people would you hire? Is it only your own work there? Are you also employ a number of people in your business? Maybe it is better if you start with the amount of labor a bit low first. Later when growing your business, you probably will need a number of additional people you can employ.

There is good when you also employ members of your family, as your child (if they are old enough of course), or maybe your husband. By hiring them, then it implies that they also will have a sense of ownership in the enterprise. With a sense of belonging of the members of the family, the support given to you to run the business could be bigger.

5. FINANCIAL PLANNING

Many businesses went bankrupt due to run out of cash. Because it is important for you to take into capital that you should have to be able to run your business. It would be nice if that capital expenditure could be sufficient to pay the company for twelve months. In addition to initial capital, what you should do is to create a cash flow forecast for the next 12 months. Estimated cash flow is a calculation that describes how the estimated cash flows in and out of your efforts. Just as capital, then it would be nice if you have cash flow forecasts for the next 12 months. Thus, in the year ahead, your efforts will not be expected to go bankrupt just because running out of cash.

In addition to the above matters, there are other things you need to consider in connection with your trading style. There is a saying that good people will have happy life. But in the fields of business, too kind create a number of obstacles. And indeed many small business owners who are too "good" in the operations, such as:

They too succumbed to partners or customers
They set a price just above mediocre products and services it sells
They were too good-hearted and less firmly against subordinates
They felt that something was wrong, dirty or immoral if they get the money, profit or opportunity.

Therefore, avoid things like that. A good businessman does not apply either, but to be fair. Fair to the partners or customers, fair to the price of goods and services it sells, fair to his subordinates, and of course fair to himself.

To earn extra income, there are four ways you can do, that is worked for others, working alone with relying on the expertise, opening a side business, or investing. Of the four, open a side business is usually a pretty good way to earn extra incomes. By opening a side business, first of all you may need to be fully involved in it. But over time, if it's big business, you can hand over its management to others, so you can have more time. While revenue runs continuously.

Compare this to when you are working on others or working alone to rely on expertise. Working on someone else obviously you have to follow the working hours required. While the work itself by relying on the expertise, usually you can determine your own working time, but still you will be busy

BIG INCOME

Make no mistake about the side business, if you run it you will earn a big income even greater than when you work and earn a salary.

I've noticed artisans who sell satay near my house. Every day, from 17.00 - 24.00 (7 hours), he could sell about 250 sticks of chicken satay. If one sticks valued USD0.4, then this means he earned USD100 per day. Within a month, he could work about 25 days. This means that revenues reached USD2,500 a month. I once asked how much profit from it? He said about 60 percent. This means the profit is USD1,500 per month. That does not include gains from the sale others like beverages.

Of course you do not have to be a satay seller if you do not want to. You can open a business that may be more excitement to you. The principle here is whatever the business, if you run seriously, the results can be huge.

At first the business name may not always run smoothly. Income is probably not the worst. But that's because of your efforts may not have known the people. It is still new. By the time, as with the more familiar your efforts, then it will surely begin to grow, so the results you get will be greater. Satay handyman earlier for example. I am sure, the first time he brought his wares, people may still be hesitant to try satay. But gradually, people began to order satay, and eventually people is synonymous with satay. Every time he passes in front of my house, I immediately thought of satay. That's proof that require the introduction of any effort.

People must first know your business, whatever business it is. Either the store, either a small restaurant, or business stitches. Perhaps familiarity takes one year, two years, or maybe just a few months, depending on how your campaign. Once known, then the rest depends on the quality of your product. If consumers do not like it just once, so they give up buying your product. Therefore, you also have to maintain the quality of products to fit consumer desires.

MUST NOT LEAVE A JOB

Who says that you should leave your current job if you run your side business? You do not have to leave your regular job. You can run your business while you keep working at your current job.

More over, you will later have a double income is not it? First of all, your business income may still far less than the salary of your regular job. But after a long time, along with the more familiar your business, your efforts will be more advanced, and who knows your business income will increase and can equal your salary?

Then, who knows your business income also may increase further and exceed your salary? I saw many examples of people who started the business while maintaining his job. After a long time when his business more successful, revenue from increased business, and the numbers are far beyond his salary. So he has a choice whether he will retain both its revenue, or leave his job and plunge into a total of 100 percent of its business with the expectation that the income from his business could be bigger.

For those of you who become housewives and only the husband works, may be even better. You started the business you are, while your husband is still getting a salary from his job. Each of you are now generating income for the family.

READY FOR FINDING TIME

If you run your business while still working, then you should be prepared to spend some time. For those of you who perform duties as a housewife, you must be prepared to set aside about maybe 4 hours each day to take care of your new venture. For those of you who also worked in the office, maybe you should be ready to run your business at night. It's up to you. What is clear, you must have a commitment to run your business, and do not be surprised if later on you'll be more tired than usual. This is natural, because you are running two jobs at once right?

But what makes you want more tired than usual? What makes you bother to run your business? This is because you want to developyour business and its management so you can give to your subordinates so that you can have more time for your family's while still get income. So, you are investing of time (more busy) now, with the hope that you get more time later. So, no matter how busy right now, why do not you take the time to initiate a business?

NEEDS FAMILIES SUPPORT

Ask for support from your family. If necessary, ask your husband to help you. Involve your husband from the beginning. Thus, your husband can come into play in your efforts. Husband's support was essential. Many home-based businesses that failed due to lack of support for her husband.

You will not succeed in your business when her husband is not supported, but it would be helpful if your husband's help support your efforts? If necessary, do not tell your husband that this is your business. Tell him that this is a family business, not your business. Later if business is big, your husband can get involved in it. Would not it be fun if the husband and wife working together to build a family business?

MUST NOT BE HIGH EDUCATION

Whether you are one of those who have not received high education? Whether you just graduated from junior high? Did you just graduate from senior high school? Or do you simply do not have school and only have experience?

Read this: You do not have received high education to be able to open a business and succeed in your business. We've often heard and saw that there are many people succeed in building his business from scratch, though not having a college education.

What is the recipe so they can succeed? Perseverance and motivation to succeed. More important, though he did not want to learn high school. Learning should not be taken by the school. You can learn from your experience, from books and from others' experiences (both successes and failures). One more, they want to start a small business from the first, long before it became big business. Believe me, you have the same opportunity with me, and with others to be successful, even if you do not have a college education though.

So what are you waiting? Set the determination to open a side business. Right now!

Risk is anything that can happen to people which do not want to happen. Every human being has the risk of whatever he's doing. In addition, human life itself also contains a lot of risk. There are some risks that can be avoided, and there are some risks that can not be avoided. Examples of these risks can be avoided is the risk of accidents or the risk of theft. While examples of risks that can not be avoided is the risk of death. The effects of risk often leads to substantial losses. Whether the loss of the psychological side, as well as losses from the financial side. If your home got fire, then you will have financial losses experience in the value of your home when the fire occurred. Therefore, it is important for you to anticipate any risks that might happen to you.

Not only insurance

Hearing the word anticipation of risk, your mind may be directly carried over to the term "insurance". In the science of financial planning, the purpose of insurance is to protect you from financial losses that may arise from the occurrence of a risk. For example, you probably can not avoid the risk of injury to yourself, but you can protect yourself from financial losses that may arise from the occurrence of the accident.

Are all risks that can happen to you need to be insured? The answer is not. For example, you often wear shoes that have the possibility for lost stolen. Will you insure your shoes? Most likely not. Why? This is because if you lose your shoes, you may not loss amount to much. Another case when your house caught fire, then the financial losses that may arise can be tremendous. That's why, you need to take fire insurance for your home.

Options to anticipate those risks, referred to Risk Management. For simplicity, I shall call this in anticipation of risk. In this article, I will show you how you can anticipate the risks that could happen to you.

MULTIPLE CHOICE

Financial losses can occur when you experience death, accident, illness, or if your property is lost or damaged. Sometimes, the financial loss can also occur when you run into lawsuits from third parties, such as when you hit someone else to hurt and you are required to replace all the medical bills.

Now, what options are available for you to anticipate the risks? Assuming you are required by your boss (or anyone) to bring a package by using the vehicle, from city A to city B. However, the busy street keep you threatened with the risk of accidents. Therefore, there are a number of options for you to anticipate these risks:

Well, now we try to practice the theory of risk aversion. We suppose you want to buy a house, but like the other houses in general, you would buy a house that has a risk of fire. To anticipate, then the options available to you are:
1. Renting it, do not buy (avoiding risk).
2. Buying a home, and face only the risk, where hoping that risk of fire will not have to happen (at risk).
3. Provide a fire extinguisher in your home (reducing risk).
4. Give up some losses on the other hand, if your house caught fire (for risk).
5. Submit all of the losses on the other hand, if your house caught fire (risk transfer).
The fourth and fifth choice above is what we called with insurance. That is, the insurance can be a party you claim loss if you run a risk.

TAKING DECISIONS

Once you know what choices are available for you to anticipate risk, then your next step is to write the risks of what might happen to you, and what options you will use to anticipate them. Below are the steps:

1. Know your risk

2. Evaluation of the consequences if the risk occurs.

3. Take a decision on what option would you use to anticipate these risks

For example, risks that may happen to you is death, accident, illness, accident of the vehicle, the car accident, layoffs, and can not work. Therefore, the steps are:

1. Know your risk: Death.

2. Result evaluation: The cost of family life that you leave behind will not be repaid.

3. Take the decision:

a. Risk Avoidance: In this case it is impossible to avoid the risk of death.

b. Facing Risk: It might, with the consequence that the cost of family life will not be paid

c. Reducing the Risk: The risk of death can not be reduced

d. For risk: Submit some of the financing of your family live on the other hand, if you die

e. Transfer of risk: Submit the entire financing of your family live on the other hand when you die.

It's up to you, the decision which would be taken.

Once you make a decision for a risk, then repeat these steps for the next risk (such as accidents). And so on. So now you already have a program for your family's risk aversion.

Lifestyle defined as a way of life that is identified by how people spend time (activity), what they consider important in their environment (interest), and what they think about themselves and also the world around it (the opinion).

Lifestyle is just one way of classifying consumer psycho graphics. Lifestyle, in principle, is how people spends time and money. There are people who enjoy looking for entertainment with his friends, solitary, traveling with family, shopping, doing dynamic activity, and some are having and leisure and excess money for socio-religious activities. Lifestyle can affect a person's behavior, and ultimately determine a person's consumption choices.

Financial problems are common in young families, especially in the first years of family life. Not to mention the little one soon comes in the middle of you and your partner. Is it true that the problem lies with the large-small family income?

Often the problem is not lack of income, but the wrong habit in managing money. Apparently, in fact, a father who earn thousands of dollars could be in shock when he found the money to live is $500,00 before the end of the month.

This is some simple keys to managing family financial:

1. Understand your family's financial portfolio. Do not be blind about the saving amount, the electricity bills, telephone, car service, shopping, doctor's and other expenses. You have to know how much credit card debt, bank loan or mortgage and car.

2. Develop a financial plan or budget. Realistic financial plan helps you be objective about excessive spending. No need too ideal, so forget your own needs. No harm in entering need to go to a salon, spa or clubbing. Importantly, the budget should be realistic and you also must comply with the budget.

3. Think more thorough understanding between the "need" and "want". Quite often we spend money for something that is not too important, or just driven by desire, not necessity. Make a list of tables consisting of columns for shopping items, needs and desires. After filling the column shopping item, fill the "needs" and "wants" with a check mark (V). From here consider a more mature, things you need to buy / fill or not.

4. Avoid debt. The temptation to consumptive live is greater. But that does not mean you easily purchase various items on credit. Grow a healthy financial habits starting from simple, as no consumer debt.

5. Minimizing consumer spending. Meet old friends to exchange ideas in a cafe sometimes necessary, but it does not mean you have to do it on every Friday afternoon. You can use these expenses for saving or meet other needs.

6. Set financial goals. Arrange the financial targets you want to achieve on a regular basis, with your partner. Set specific, realistic, measurable and within a certain time. This goal helps you focus more on designing your financial. For example, aspires to have the funds preschool education of international standard and so on.

7. Save, save, save. Change habits and thought patterns. Immediately after receiving a salary, set aside for savings in the amount you had planned on purpose or goal of your family financial. Instead, you have a separate account for savings and daily necessities.

8. Invest! Sure you will not be satisfied with just waiting for the savings soar. And your goals for the family is high. This is the time to also think about investing. Now, there are many investment form. Fear of risk investment?! No need to worry, you just need to learn to the experts. Consult your investment plan with the financial expert.

Who did not want to have any savings? I also want to. The problem is, my money always runs out

“Not to mention the children asked for new shoes”

“I also need to buy this and that.”

“Ah, I am not talented in manage a money...”

The words above may be familiar to you, or perhaps your own experience. You want to be able to save money, but in practice, it is hard to do. You always run out of money at the end of the month so it can not be save. Are you someone like that?

Do not be discouraged. Everyone will almost certainly experience it. Saving (investing on a regular basis) is often done for various purposes. However, if you set aside money on a regular basis, then the money you collect can be very useful.

Someone who has income of $1,000 per month, for example, after a year of savings account balances only $200 in his account. Once asked why the amount of his account balance only $200 after working for a year, he said his income often wears out in a month. So, he could not save.

Actually, if he would save $100 per month, then at the end of the year he will already have an account balance amount of $1,200, plus interest.

Is this situation familiar enough in your ear? Or, do you also experience it?

IMPROVE AND PRESSING

I will lay out a way for you. If you always spend your money first, so it's always run out of money to save, why now you do not reverse the process?

When you get your paycheck on the 25th, set aside some money for your first tube, then the rest is spent. If you do it regularly, then after a year, you will already have a balance in large quantities.

When you do that, then you are no more excuses for you not to save. Well, maybe you could be reduced your money spent. But that's the consequence: You need to have some funds in reserve for your future.

For example, once your income is $1,000per month. At first, you usually spend $100 until the end. Now, with your deposit $100 per month in advance, then you only stayed a total expenditure of $900 per month.

If you feel the amount was not enough, then you must do one of the three options below:

1. Increase your income. In the example above, the income of $1,000increased to $ 1,100. With your fixed deposit $100 , then you are no longer spending $900, but returned to $1,000.

2. Pressing your expenses. In the example above, you are willing to push your spending that was $1,000 to $900.

3. Do both, ie, increase revenue while lowering the cost of living. In the example above, you can increase your revenue to $ 1,100, and push your spending to $900. Thus, you actually have an even greater difference for saving!

It's up to you, which of the three ways did you want to select. Most importantly, you must accustom yourself to save money. In this case, if you're having trouble saving for the reason always run out, then you can save money in advance so you get an income.

Always remember : You need a reserve fund for unexpected times in the future.

WHERE TO SAVING?

There are many options that you can use as a place for saving. One of the most popular place is the bank. Excess funds in saving in bank is that savings can be taken whenever you want. The downside is, the savings in the bank generally gives only a small interest.

In addition, you may also save money by buying gold. If you are saving for, say, $200 per month, you might be able to buy gold whose numbers correspond to the value of money you save. At this time, a lot of gold coins available that can be bought

.

As an alternative, you can also save money in the form of investments such as Mutual Funds. Mutual Funds are a form of investment where the money will be managed by a team of Investment Managers to invest in a wide range of investment products. To be able to invest in Mutual Funds, can be started with minimum funding requirements.

Obviously, there are some options if you want to save. Why not get started?

You certainly know that every human being has a needs. Needs of adults will always increase over time. From the need to get married, buy homes, private vehicles, having and raising children, and enjoying a happy retirement.

However, to be able to meet all those needs, of course, you need a fund. For example, maybe you know if the current price of a house with an area of ​​96 m2 is expensive. Not to mention the thought of children's school fees are becoming increasingly suffocating your bag. Currently, the fund of a private junior high schools has reached every year, imagine that much money just for education for three years.

This situation certainly raises questions for you, how can I meet all these needs? The answer is to do financial planning as early as possible, and later for fun.

And this is 5 Steps in your financial planning.

1. Check your financial health

Not only your physical health is important, but the health of your financial condition could not be ignored. Actually, the latter case this should be your first priority before maintaining a healthy body, because maintaining a healthy body also requires funding.

The first step is pretty easy. Record with either all of your expenses in one month. You'll be amazed when doing this, because you will see where your money during this drift. In addition, count the entire wealth and debts you have. Pay off all your debts - if necessary by selling your property - before you plan to have something new. If you no longer have the debt, then you have a healthy financial condition.

Do not be afraid if you do not have saving after you pay all debts, because even if you do not have a saving yet, you will do something much better for your own.

2. Dream on!

The second step is to plan your needs. This step is done with dreaming. Yes, you are not wrong, dreaming! Ask in your heart, whatever you want in life. The house? Jaguar cars? Five-star apartment? Having a number of shoes, clothes, and handbags branded? or even a honeymoon to Paris?

Well, if it is, wake up from your dream to see the reality if all your dreams are in accordance with the conditions of wealth and income? If not, go back to dream. However, this time with a more realistic dream. Do not forget to prioritize things what you want to get it first.

One thing to remember, besides the things that please you, put your priority needs in an emergency fund. Emergency fund is a fund for the purposes that you did not expect, such as the cost of inpatient care in hospitals. Surely this is not expected to occur, but there is no harm in just in case.

3. Categorize your financial needs

This step is easy. Simply classify your needs based on the time period. Period is divided into three, namely short-term needs between 1-3 years, medium term needs between 3-5 years, and long term needs for more than 5 years.

4. Identify the type of investment that fits your needs

This step is quite difficult to do, because for some of you, this is a new thing. You can learn it with the help of relatives or friends who have planned their finances very well, hire a financial planner, consultant, or you can learn it on website.

Once you understand the benefits of each type of investment, choose one that best suits with your financial needs.

5. Discipline

All the steps that you apply will be in vain if you do not do it with discipline and high commitment. These two important things that will make everything run smoothly. You want to honeymoon in Paris and enjoy your jaguar, is not it? Be patient! The more you discipline yourself and maintain the commitment, then it is the faster your dreams into reality.

So, begin your financial plan as soon as possible. The sooner you make your financial planning and start to invest, the less funding is needed. This course will benefit you because the more needs you can plan. For example, we give an illustration of financial planning for your child's education fund below.

Still not achieve financial freedom? Not to worry, no need to be confused. If your monthly salary is always lacking. Many needs are not fulfilled, I have a solution.

But, I want to ask first, what do you have now? Make sure it's a product. Neither form of goods and services. Approximately how your product's selling price? How much does your skills? How much people have to pay for your services? Think about whether the pricing is too high or too low. Then, look at the Internet and display your products and services there. Then market it!

Earn financial freedom with the internet business.

I have five secrets of successful internet business. Follow each step. Do not hesitate, do not hesitate. Try it first ... and feel the benefits ...

1. Create a web site. Without a website, no one will believe in you. Just means you do not have a store that will showcase your products. So, like it or not you need a web site. You can do business, collaborate with other businesses, serving visitors, and of course everyone will believe that you really have a reliable product. Your web site should reflect what you are selling. Visually show your professionalism and credibility.

2. Search Engine Optimization (SEO). To attract more traffic, use the search engine. The trick, optimize your keywords and keyphrases. Put all the important words of your content on keywords. Also, use title tags, meta tags, and headers. Everything can capture the content that you create.

3. Build networks with emphasis on web site links. The more links your stocking, the higher the ranking of your website. The number of links that point to your web site, determine the amount of visitors coming to your website. Please promote and use the strategy of one-way or reprocical campaign. That is, if possible all the people coming to your website also promoted. So they not only stopped, but, also introduce your website to others. Write articles and ezine assemble. If the quality of your articles, you will also get qualified links.

4. Direct traffic to your website. Many buyers, because many visitors. Well, if you want your sales reached spectacular, then reach as many visitors to your web site. Draw visitors actually qualified. This means that visitors really so you and your prospects are interested in buying. There are many tools you can use to capture traffic. This proved to be useful tools to increase the incoming traffic. For example, you can use forum marketing, blog marketing, or article marketing.

5. Create and stick to your online credibility. No one wants to buy your product, unless they believe you are the best. No trust, no money. That's just principle. So, how to make everyone else believe in you? Show your skills through ezine publication, wrote a great article marketing, create a blog to help visitors solve their problems, etc.. Thus you help your potential visitors. Providing valuable information could affect the quality of work and their lives.

Ok, now what is your goal? If the monthly salary is not enough, do not need to find a side job that the results are not much. Try the internet business. Perform the five tips above. I am sure, you have nothing to lose. You do not need a big capital to start this business. Try it ... I wait for your success.

Reach your financial freedom because nothing is free in this world. All the items that you want should be obtained by paying a sum of money. Clothing, food, shelter, and even toilet tissue must be purchased with money. Life is expensive. Without you knowing it, when you spend money, you also have to pay more. Ah, right? True, you pay with your time as well. Because when spending money, you also need time to it. Time is money. And it's your own money. You get it by working hard in the office. Well than you spend your money, it is better to use the money to build their own business. By having a business or enterprise, you can earn additional income. Quite right?

So how? First, you must know how so you do not lose money in vain. So, before deciding to open a business a lot of preparation you have to do. For example, you must do the market research, read the guidebook business, or consulting with a business consultant. But for all that, you also have to pay for it?

To conduct market research, you need a mature analysis. To do research you have to visit, conduct surveys, and many questions. That means you have to spend some money.

Then you just buy your book of business. But it also needs to be cost. Least cost tens or hundreds of thousands to buy the book. Yes if you feel this is quite a book. If you require dozens of books, the costs will double.

Time to use a business consultant. You just ask them to do the research for you. But who will pay the consultant. Is he going to go away after you say thank you? No. You have to pay for it.

So what should you do to build a productive business?

Invest! Investing does not mean to always spend money with quantities. Investing could mean increase knowledge, Doing work with smart, and take advantage of all the opportunities that exist. The opportunity that rarely comes twice, so immediately follow up opportunities. It would be quicker to financial freedom. Once you grab the opportunity, do the next steps diligently, so the opportunity to change the source of your money.