# 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.
# Do not be too much put your money in savings. Having fulfilled the post emergency fund, start investing!
# Remember, lifestyle = expense. Want to know whether your lifestyle is in accordance with the income? Check expenditure of non-routine and your routine. If it does not fit, do the trimming expenses now.
# Be a smart shopper! Think 10 times before you spend money. Is it really necessary and as required? Would I buy goods, including productive or consumptive?
# At the right time to buy is when the goods you need are sale with discount at the store. But the most important thing to remember, it is the stuff you really need and have been budgeted! That way you can just pass a shop that was a massive sale without having to go and shop if you do not need anything.
# Do not ignore the expenses that are trivial and are small but regular or frequent. Without realizing it, if in total during the month turned out there were not a little and enough to drain our bags. This should be removed.
# It is important to remember, your credit card is not extra money. If using a credit card, make sure that indeed the money to pay the bill already exists within your budget. That way, you can certainly meet on time.
# The biggest challenge in managing the family finances is to reduce expense (simplify lifestyle) and increase your income. If this can be done in a consistent and disciplined, will the success of managing your family finances will be realized easily.