Benefits of saving for students

1. By saving we can appreciate more money.

Yes indeed, by saving we will be more able to appreciate the money given to us. Some of us have not been able to feel how both our parents struggle to find money to sustain the family economy. Fortunate if your parents are able so that all your needs well it needs for education and your daily needs can be fulfilled. But there are some of us who are less fortunate even to get education in school alone can not because it does not have enough cost to go to school.

2. By saving we can learn to manage finances.

Setting up finances should not start when we get our own money from work. We can learn to manage our finances when we are still a student. Yes, although the money we get is only a small amount and is money from giving, but at least we have learned to do financial management from the smallest thing.

3. Teach us to be more independent.

Especially for you who save and self-managed, by saving will certainly train your independence. To be an independent person can certainly be trained in various ways, one of which is saving in a proper and efficient way.

Those are some tips that I can give hopefully can be useful for everyone.

Tips for Buying a Housing Compressed Housing

You do not need to bother considering a variety of things because housing in the complex generally includes several things that prospective buyers of the house, including strategic location, adequate facilities, and easy transportation access.In addition, you also do not have to bother monitoring the housing construction from the beginning because it has been supervised developers.Even easier, there are some things you need to consider to do before buying a house in the complex so that you make the right choice of home.
1. Do a survey
Before buying, do a detailed survey of housing complexes. Surveys can be done online or come directly to the field. Make comparisons, scores, and simple analyzes based on the type of home you need.There are several parameters in finding a dwelling among which consider the location, transportation access, flood-free areas, access to clean water, complex facilities, and so on.
2. Go to the marketing office
Go to the marketing office and ask for more information about the house you are going to buy. Afterwards ask the marketing department to take you to the prospective home.If possible while in the field, do direct 'investigations', such as talking to neighbors or complex security guards to pick up the information you need.
3. Home status
There are two types of home status, which are ready to live and indent. House status ready to live usually can be seen directly form. But most housing uses indent status so you can only choose the location through the site map. You also have to wait at least 8-24 months from the credit agreement for the home construction process.
4. Compare prices and facilities
Before buying, make sure you check the price of the house. Generally house prices include 10% VAT, Deed of Sale and Purchase Agreement (AJB), and cost of Building Use Rights Certificate (SHGB). In addition, do not forget to check the existing facilities in the housing complex.Is quite worth the price you spend. Generally a residential complex provides a children's playground, religious facilities, and has its own shopping area.
5. Take advantage of the warranty period
After the home handover process, you will get a warranty time or called maintenance period with a duration of 3-6 months.At this time span you can make complaints and ask for free repairs if there is damage to the house, such as leaking, cracked walls or other damage. And, do not first do the renovation of the house at this time because it will automatically eliminate the warranty period.

Those are some tips that I can give hopefully can be useful for everyone.

How to Manage Personal Finances

Every person who works must get a not so great income let alone the person can no manage his finances that resulted in piling up the expenses he wants to buy. Here are some ways to manage personal finances so as not to accumulate spawn:

1. Set Financial Goals

We have to set goals, for example we want to buy a house for sure from the beginning we will set aside little money for savings that will eventually be bought a house. These goals can be our motivation to work hard and not waste the money saved.

2. Create an Expense Plan

Making expenditure plans is very important, if not making an expenditure plan then there will be goods or keperluaan which will be issued but not needed while the goods or necessities needed can not be purchased. So this spending plan is very useful to avoid buying goods that have no interest in order to minimize expenditure.

3. Hold on to Temptation

Everyone can not resist buying things that are very good but they have a high price that can drain the bag. They should refrain from purchasing the item or wait until the store offers massive discounts and presents the item for a low price.

4. Finding Similar Products That Offer Cheaper Prices

Determining the price of goods in each store must be different, there are shops that offer a fairly expensive price and there are shops that offer prices that are considered quite cheap but the same product sold. You should not hesitate to move to a store that sells cheaper prices so that the expenses incurred are not so great.

Preferably if you want to manage personal finances do not buy or use the existing money to buy goods that are not necessary or not the money is better saved