Want to rich, five or 10 years from now? Maybe really. These tips will help you make it happen.
1. Set a goal from the beginning
Like to travel, first have to know first goal. If not, could spin it, even actually spend money. Ask yourself, what is wanted next 10 years. Got a car or home, for example. In that spirit, you can be careful in spending and encouraged to save. We recommend that you prepare a plan of 5, 10, to 20 years.
2. Live with the plan
Buy stuff you need, and not desirable. Sounds simple, but the temptation is hard to avoid. However, if your plan has been stuck in my head and heart, certainly deh desire to buy goods that do not have to be dashed.
3. Avoid debt
Now a lot of offers to buy goods by installments. Or other forms of borrowing for items that are not required, but desirable. Hold the heart to not be tempted. Except maybe for something that can be used as venture capital, such as loans to college again, or a home loan. Avoid taking loans that mortgage spend half of income. According to financial experts, not to owe the installment makes wallet scream.
4. Let's save
Small pieces that are collected will be a big or a lot. Whatever you can, get into the habit of saving. You work to earn money, so you are entitled to get paid. Well, the money you pay yourself is to save. Savings are in addition to stored to achieve the ideals of five to 10 years, is also useful when there is an urgent need. As hospital costs, or can be used for short-term goals like a vacation abroad.
5. No minimum payment
Got credit card baseball sin. When utilized correctly, you will not be credit card debt. Moreover, so far become victims of debt collectors, duh ... do not let deh. In order not caught, immediately pay off the bill every month. Prepare the funds in the account to pay every bill that comes. Once again, paid off yes. Do not just pay the minimum bill. The smaller your monthly bills, the longer hull.
6. Investment old age
Life is not just for today, but also for the future. Old age may still be far in the clouds, but there's no harm in thinking from now for your old age stay rich. One of them, by trying to invest. Many ways are easy and affordable at the beginning of work. For example, take the insurance and buy mutual funds. Both can only pay less than Rp 500,000 per month. But the result, can be picked after 10-15 years later, with the number doubled.
7. Open deposit
Besides the savings that can be taken at any time, it's good to have a term saving deposits alias. In addition to no savings who could not tampered with, these savings can also be a useful additional notes if you want to take a home loan or an apartment. Good as hell made a year deposits, and balance plus every year.
8. Upgrade
20s is a good time to improve skills and education, which will support future career. Investing in education would not be in vain. Take a variety of skills courses, and do not stop just at the level S1 class. One more thing should be done, expand the network to the mix. Senior Vice President of Kelly Services Asia Pacific, an international recruitment agency, said Dhirendra Shantilal, today many companies looking for employees plus. Alias other than highly educated, mastering many languages, is also active in various organizations.
9. Enjoy life
Manage finances itself does not mean you can not have fun. You can pay for travel from cheap travel savings or because you have many friends. Or take a language course while acquainted with new people. Just make good memories with meeting new people and try new things. Things like this can be an investment well know, many friends can sustenance, so said a parent. What is important, avoid taking a loan for the cost of fun. You can be creative to find entertainment without spending much money.
Minggu, 22 Mei 2011
Selasa, 17 Mei 2011
Senin, 16 Mei 2011
Personal Positive, Have Yourself a Healthy Awards
Self-esteem affects the way a person sees himself, in a negative or positive. In addition also affects its relationship with other people. Every individual, have ups and downs of self-esteem. Sometimes people appreciate him too much, so he feels better than others. At times, individuals see themselves from a negative standpoint, so it has a low self-esteem. Well, every individual needs to have a healthy self-esteem.
Individuals are said to have a healthy self-esteem, if he does not put himself superior to others and tend to be arrogant. In addition he also does not see himself less, only to see the flaws in himself and considers others better than him. Positive personality with a healthy self-esteem means you have a balance of self. You have a positive perception of self, able to see the capabilities themselves, and have respect for other people.
Every individual should strive to have a healthy self-esteem. The reason, self-esteem affects all aspects of life. Every person is important to learn menyintai and appreciate him, accept weaknesses and mistakes. By doing so, he is better able to appreciate other people around him. Recognition of other people are obviously affect social relationships.
A number of positives obtained by having a healthy self-esteem among them:
* Tends to be experiencing feelings of hopelessness, worthlessness, guilt and feelings of inferiority prolonged.
* More assertive in expressing needs and opinions.
* More confident in making needs.
* Having a healthier relationship, honest and comfortable,
* More realistic in realizing dreams, and no excessive demand of ourselves.
* More quiet personality, able to deal with stress.
* Have a more mentally healthy, so no experience various problems that affected mental problems such as eating disorders, depression, anxiety and addiction to something.
Individuals are said to have a healthy self-esteem, if he does not put himself superior to others and tend to be arrogant. In addition he also does not see himself less, only to see the flaws in himself and considers others better than him. Positive personality with a healthy self-esteem means you have a balance of self. You have a positive perception of self, able to see the capabilities themselves, and have respect for other people.
Every individual should strive to have a healthy self-esteem. The reason, self-esteem affects all aspects of life. Every person is important to learn menyintai and appreciate him, accept weaknesses and mistakes. By doing so, he is better able to appreciate other people around him. Recognition of other people are obviously affect social relationships.
A number of positives obtained by having a healthy self-esteem among them:
* Tends to be experiencing feelings of hopelessness, worthlessness, guilt and feelings of inferiority prolonged.
* More assertive in expressing needs and opinions.
* More confident in making needs.
* Having a healthier relationship, honest and comfortable,
* More realistic in realizing dreams, and no excessive demand of ourselves.
* More quiet personality, able to deal with stress.
* Have a more mentally healthy, so no experience various problems that affected mental problems such as eating disorders, depression, anxiety and addiction to something.
Sabtu, 14 Mei 2011
Should we work "24 / 7"?
Some friends complained about the increasingly long working hours. Not just go home tonight, but also almost never enjoy a weekend at home. Reasons that have been increasingly ensnare competition and the need to develop, making the working principle of 24 / 7 can be rationally acceptable, but the fact remains no relief. The existence of a cell phone, BlackBerry, computer tablets, and super light laptop, it seemed to simplify our lives, but at the same time make their task as "sticky" with us, come with us wherever we go. There is a new trend experienced by many people, where individuals seemed addicted to e-mail, check incoming messages at any time, and even pursued a job since breakfast.
"The Long Hours Culture" in many successful companies have become a trend. In fact it is used as a performance measure whether or not an individual. A friend said to say with pride: "We must be ready to be called back to office, despite being at home." There are many reasons behind this hectic life, for example, bosses who do not pay attention, too many job demands, or a pity to miss the opportunity. Whatever reason, the ritual of this kind has been made is not perfect relaxation. When his chance there, might be accompanied by more individual guilt and stress. guilty feeling because of the work piling up and not finished, mixed with guilt because they feel unable to manage personal life.
We must wonder, is it really effective and produktifkah work full 12 hours a day or even more? We know that the benefits of flexible working with all kinds of technological support is increasing productivity. But is not happiness because it can effectively manage the responsibilities of work and personal life also determines productivity ourselves?
The question is: how do we berstrategi and keep ourselves in order to divide the timing in which we need to be physically present or not? We also need to enter your personal life agenda on the sidelines of the agenda of work that had been following us both physically and psychologically. This is a new challenge working world today who do not face 10 years ago. This view of the hard work it feels needs to be revisited, either by companies or individuals own.
Humans are not machines
We are a knowledge worker "is sometimes forgotten and equate ourselves with the computer. Do not we often feel increasingly high speed, the longer working hours and the ability to do several tasks at once makes us feel better. The important thing to remember is we humans live according to certain rhythms. The heart beat, muscles contract and relax. Surely we can function optimally if we use the optimal energy and time to refresh it. That's why most of the light-minded individuals in the morning, or after a nap. Imagine what happens when an athlete to sprint continuously without restoration of energy. The human brain also has similarities with the performance of the athlete's body. That is, if the individual does not regulate its energy, work continues without interruption throughout the day, he would produce less than people with the same talent that is able to regulate its energy.
For optimal performance we should not ignore that we need to regulate our lives for the ritual on the sidelines of everyday life, we can refresh our energy sources.Physically we need fitness, adequate sleep, nutrition, and rest periods.Emotionally, we also need to turn the positive emotions in positive ways to communicate with those around us. Mentally we need to consider the power of focus and work to balance the left and right brain hemisphere, so that creativity awakened. While spiritually we still need to keep understanding the meaning, objectives and purpose of our work.
The challenge is that many individuals who believe that setting a task is not determined by the individual alone but by superiors. We need to rethink it seems, is it true that as a subordinate we can not determine the deadlines and the rhythm of our work? Is fully of energy and the division of tasks strongly regulated by outsiders and can not be done independently? Feelings have no control over themselves and it is our time really is a frequent source of stress and guilt. In a competitive and challenging life, individuals also need to be convinced that he was the manager of energy himself. The right mindset will give energy for us to set priorities, manage personal machine, and take full responsibility for the productivity of our self.
Know yourself, manage the work situation
Seasoned management expert Peter Drucker said: "The toughest jobs for knowledge workers is defining the work." A century ago, people not familiar with business services. At that time, work means "make, move, and assemble the goods. Over time you work, more goods are produced. At that time a worker does not require analysis, creativity, and decision making. It's very different working conditions now, right?
Creativity that we constantly hone can make us work in a shorter time with higher productivity. When we understand the rhythm of your body and know when our energy at the top, the machine our body can more efficiently optimized. By writing all the commitments, duties and goals as he adjusts to the strength of our energy, we should be addressing the many tasks without the need to feel miserable and burdened jobs. Indeed the work can be done with such fun game because we did not react to the situation is primitive.
Research shows, many people have gadgets but actually very little sophistication utilized to assist the work. Use of technology as a work tool, such as noting the agenda, determine priorities, using automatic reminders, create formulas and standard templates can not only cut into work time in half, but also at the same time could double the quality and quantity of our work. Working 24 / 7 may not be able to avoid, but still only human who became the director, and not the victim of technology. We are the ones who need to manage "the strategic value of clear space" in the brain and ourselves.
"The Long Hours Culture" in many successful companies have become a trend. In fact it is used as a performance measure whether or not an individual. A friend said to say with pride: "We must be ready to be called back to office, despite being at home." There are many reasons behind this hectic life, for example, bosses who do not pay attention, too many job demands, or a pity to miss the opportunity. Whatever reason, the ritual of this kind has been made is not perfect relaxation. When his chance there, might be accompanied by more individual guilt and stress. guilty feeling because of the work piling up and not finished, mixed with guilt because they feel unable to manage personal life.
We must wonder, is it really effective and produktifkah work full 12 hours a day or even more? We know that the benefits of flexible working with all kinds of technological support is increasing productivity. But is not happiness because it can effectively manage the responsibilities of work and personal life also determines productivity ourselves?
The question is: how do we berstrategi and keep ourselves in order to divide the timing in which we need to be physically present or not? We also need to enter your personal life agenda on the sidelines of the agenda of work that had been following us both physically and psychologically. This is a new challenge working world today who do not face 10 years ago. This view of the hard work it feels needs to be revisited, either by companies or individuals own.
Humans are not machines
We are a knowledge worker "is sometimes forgotten and equate ourselves with the computer. Do not we often feel increasingly high speed, the longer working hours and the ability to do several tasks at once makes us feel better. The important thing to remember is we humans live according to certain rhythms. The heart beat, muscles contract and relax. Surely we can function optimally if we use the optimal energy and time to refresh it. That's why most of the light-minded individuals in the morning, or after a nap. Imagine what happens when an athlete to sprint continuously without restoration of energy. The human brain also has similarities with the performance of the athlete's body. That is, if the individual does not regulate its energy, work continues without interruption throughout the day, he would produce less than people with the same talent that is able to regulate its energy.
For optimal performance we should not ignore that we need to regulate our lives for the ritual on the sidelines of everyday life, we can refresh our energy sources.Physically we need fitness, adequate sleep, nutrition, and rest periods.Emotionally, we also need to turn the positive emotions in positive ways to communicate with those around us. Mentally we need to consider the power of focus and work to balance the left and right brain hemisphere, so that creativity awakened. While spiritually we still need to keep understanding the meaning, objectives and purpose of our work.
The challenge is that many individuals who believe that setting a task is not determined by the individual alone but by superiors. We need to rethink it seems, is it true that as a subordinate we can not determine the deadlines and the rhythm of our work? Is fully of energy and the division of tasks strongly regulated by outsiders and can not be done independently? Feelings have no control over themselves and it is our time really is a frequent source of stress and guilt. In a competitive and challenging life, individuals also need to be convinced that he was the manager of energy himself. The right mindset will give energy for us to set priorities, manage personal machine, and take full responsibility for the productivity of our self.
Know yourself, manage the work situation
Seasoned management expert Peter Drucker said: "The toughest jobs for knowledge workers is defining the work." A century ago, people not familiar with business services. At that time, work means "make, move, and assemble the goods. Over time you work, more goods are produced. At that time a worker does not require analysis, creativity, and decision making. It's very different working conditions now, right?
Creativity that we constantly hone can make us work in a shorter time with higher productivity. When we understand the rhythm of your body and know when our energy at the top, the machine our body can more efficiently optimized. By writing all the commitments, duties and goals as he adjusts to the strength of our energy, we should be addressing the many tasks without the need to feel miserable and burdened jobs. Indeed the work can be done with such fun game because we did not react to the situation is primitive.
Research shows, many people have gadgets but actually very little sophistication utilized to assist the work. Use of technology as a work tool, such as noting the agenda, determine priorities, using automatic reminders, create formulas and standard templates can not only cut into work time in half, but also at the same time could double the quality and quantity of our work. Working 24 / 7 may not be able to avoid, but still only human who became the director, and not the victim of technology. We are the ones who need to manage "the strategic value of clear space" in the brain and ourselves.
Langganan:
Postingan (Atom)