Basically, anyone can overcome its own financial problems, if only they want to live more simply. They were accustomed to the lifestyle 'hedonic' may assume that the simple life means reducing pleasure. Though the simple life is not a life of deprivation, aka minimalist, but invites us to live more essential.
However, before you change your lifestyle, according to Pritchard Hapsari Ghozie, a financial planner from ZAP Finance and author of Make It Happen !, first step that needs to be done is to re-evaluate the household expenses. "There are types of expenses that are mandatory and fixed each month. For example, children's school fees, mortgage payments, household assistant salary, and others. Spending this obviously can not be discounted and inevitably have to be issued. "Said Pritchard.
As for some mandatory spending that can still be saved, among other things:
1. Housing costs
If you are still renting a house or apartment, consider this: option contract or buy a house to be seen from the family's needs. "There is a client of mine who decided to move house to a location closer to the school children," said Pritchard. Conversely, if the kids are not live at home anymore, you may need to downsize the house to lease a portion of the pavilion, or sell the house and buy a small apartment in the city center that allows you to move regularly. By living in a smaller house, the cost of electricity and maintenance more efficient. You also will be more selective and do not be tempted to buy a lot of furniture.
2. Transportation cost
It is a monthly fee that must be issued for the transportation needs of families every month. This includes the cost of gasoline car to the office, school children shuttle, car payments (if you are still in installments), and toll charges. If all of these transportation costs exceed 20% of monthly income, it means you need to reconsider your choice of transportation.
First, check the type of your car. If the cost of gasoline and maintenance is too high, replace it with a car that is more fuel efficient. If you intend to buy a car in installments, look for a leasing company that can provide monthly payments with lower interest. Second, look for alternative means of transportation to work a low cost yet still be able to meet the target time and your convenience. If it is not there, the next option is to reduce the distance between home and office. For example, by searching for the location of the house that is closer to the office or on the contrary, moved office location that is close to home.
3. Interest cost
Or interest costs, either lending or due to late payment of bills.
Actually you can minimize interest costs if any bills are always paid before the due date passes. The more often late pay, interest costs will inevitably be higher.
4. Job cost
Some people consider working overtime every day will increase the family income. It is true, but on the other hand, it could interfere with the health and quality of relationships with family. If the work actually takes you away with the family and make the body suffer, should be reconsidered. Should you reduce the hours of work, or work via an online course from home? Although income is reduced (compared to full-time work), but with no need to work every day, you can save money on transportation costs. More time with family, and the body is not too tired. The point you need to choose a condition which makes you more happy and maintain a balance between work and personal life.(http://www.lintas.me)
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