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There should be agreement on a husband and wife in managing finances, it is very important because if the husband and wife will not budge and manage their own there will be disharmony in the marriage. Therefore respect the results obtained respectively do not assume that your income is greater so that you feel is not fair when sharing with your husband / wife.

Stay away from debt, good credit or any form whatever its nature is NOT investment you should avoid. Examples such as mortgage / land investment because it is land and house prices will rise, if the credit is payable because the motor bike are shrinking while the loan has interest. To try to do it yourself mortgage to buy the goods you want, or buy a cheap used while raising money to buy better.

Make plans for Household Budget, consists of obligations and expenditures. The obligation is absolute expenditure that must be paid and should not be not, such as installment land / house, the installment to buy motorcycles and so on.

These tips are very well done to anyone and any environment both husband and wife work or one who works, the core plan so that the welfare of your household finances / economy does not matter your household.

Some negative thinking may have become part of the self. When things do not go according to plan, it is easy to feel depressed and can not see the good side of the incident. Negative thinking does not carry anywhere, except to make the feeling worse, which then will result in our disappointing performance. This could be an endless loop.

You should be able to think positive and negative thoughts that prevent some can appear at any time. Jessica Padykula suggest nine techniques to prevent and overcome negative thoughts which are as follows:

1. Living in the moment.

Thinking about the past or the future is a thing that often makes us anxious. Rarely do we panic because of what happened today. If you find your mind terkukung in what has happened or what has not happened, remember that only the present that we can control.

2. Say positive things to yourself

Tell yourself that you’re strong, you can afford. Say it continually, at any time. Especially, start the day by saying something positive about yourself and the day, no matter if the day you have to take difficult decisions or you will not believe what you say to yourself.

3. Believing in the power of positive thinking

If you think positive, positive things will come and the difficulties will feel lighter. Conversely, if you think negatively, negative things will happen to you. This is a universal law, like laws of gravity or energy exchange. It will not be easy to change your mindset, but the effort is comparable to the results that you can pick.

4. Get over it

Search what makes you think negatively, fix, and re-developed. If it can not be repaired anymore, stop complaining and regret that it will only spend time and energy, also make you feel worse. Accept what has happened, lessons learned / lessons from this, and again advanced.

5. Focus on the positive things

When we’re being so negative, we often forget what we have and focus more on what we do not have. Keep a gratitude journal. No matter the time, each day write down five of six positive things that happened that day. Positive things that could be big things or just little things like ‘sunny day’ or ‘eat this evening amazing’. As long as you stay consistent doing this, it is able to change your negative thinking into a positive thought. And when you start feeling negative, read back the journal.

6. Move

Exercise releases endorphins that can make you a better feeling. Is it just a walk mengelelingi block or run ten kilometers, physical activity will make ourselves feel better. When you feel down, fifteen minutes of sports activity can make you feel better.

7. Face your fear

Negative feelings come from fear, the more afraid you will live, the more negative thoughts about yourself. If you are afraid of something, do something about it. Fear is a part of life but we have the option to not let fear stop us.

8. Try new things

Trying new things can also boost your confidence. By saying yes to your life open up more opportunities for growth. Stay away from the thought ‘yes, but …’. New experiences, small or large, making life seem more pleasant and useful.

9. Change the perspective

When something does not go well, find a way to look at it from a more positive perspective. In every challenge there is profit, there is a challenge in any profits.

Family financial management is not required by families who have rich, meaningful only needed for families that are growing (grow up), medium and poor. What is important is the pursuit of revenue as much as possible so that families could spend all purposes.

This is where my concern, because I need to explain here the family’s financial management is needed by anyone, any family to be able to:

Budgeted revenues and expenditures so that all income and expenditure can be regulated and measured because there has been prior planning.

Have indicators that can show a variety of financial information of our current family. For example, the growth rate of net family property from year to year, the leakage rate exceeds the budgeted expenditure.

Can measure how much money should we get in order to achieve long-term financial goals such as to put children to college, pilgrimage, build houses, etc..