# To be sure, prepare far in advance if you have a plan a long vacation out of town even abroad. Longer preparation time would be better. Set aside the auto debit of your monthly income over time according to the amount of funds needed.
# Same as recreation, looking for places to eat or restaurants should be in accordance with the budget prepared. It’s better if you choose a place does not far from the place you stay or the last place you’re visiting. In addition to time saving, the cost will efficient too.

In the past, have children who worked as a Civil Servant being the dream of all parents. In fact, this type of work would be getting more points in the eyes of prospective in-laws. Perhaps, this public opinion is formed because of the retirement facility for a civil servant.

# The first and most important priority: pay off your consumer debt as soon as possible. The sooner is the better.
# Check loan repayment expenditure, is it <= 30%? If more, it means your debt burden is too heavy and not at risk paid off.
# The second priority, saving at least 10% of your revenue. The higher is the better.

# Create a regular shopping list for items needed every month in accordance with the monthly budget that you have.
# Always carry a shopping list every time you shop and stick to it! It is important to avoid buying unnecessary items.
# Make it a habit to go shopping on a regular basis such as every one or two months or based on needs and not wants especially if only just for take a walk.

The cash flow shows income sources and describe expenditure patterns, savings and investments a person. What are the components of cash flows formed? According to the Financial Planning Standards Board include: salaries and wages, cash value of dual life insurance, retirement payments, interest income and the distribution of dividends, income from rent, loan funds, and cash withdrawals from savings, tax returns, and receipts from liquidation of assets.