Jakarta, CNBC Indonesia – Everyone certainly wants to be rich. The reason is, with a pile of money, you can do anything. There is even a term “everything can be bought with money.”
Even so, apparently there are signs or characteristics that it will be difficult for you to become rich. CNBC Make It summarize at least the following 5 signs:
1. Never calculate your total expenses
Every week or month, someone receives money into their account. Usually, there is always a record of how much money and where it comes from. This is certainly a good effort.
Even so, only a few people record their expenses every month. The reason is because they forget and are too happy to waste money. It is in this condition that problems arise.
Because forgetting to record your expenses means you won’t be able to find a way to reduce your expenses. Therefore, you have to record expenses, either manually or using an application. The goal is to find out where the money coming from the account goes. Is it for urgent needs? Or maybe it’s just for prestige or something unimportant that leads to waste.
2. Have no intention of saving
Every human being basically has many needs and desires. Unfortunately, this is all difficult to achieve due to limited resources. So, one way to fulfill these two things is through saving.
In this case, the first step to think about is what do you need or want? Next, calculate the expenses to achieve that. If so, then make savings: which expenditure items must be stopped so that the money can be saved.
However, if you don’t need or want something, that doesn’t mean you forget about savings. You should still save just in case.
3. Have no other income apart from monthly salary
Living on a salary makes it difficult to meet your needs and save or invest. Moreover, the monthly salary obtained is just “passing through” because it is immediately distributed to several expenditure posts.
Therefore, it is important for you to be able to find other income besides your monthly salary. You can open freelance services or do side work, thus opening up new sources of income that can become passive income.
Or to be able to set aside money from your salary for certain things, you can ask for a salary increase (of course this is difficult) or make savings.
4. Not being able to pay the bills
In today’s era many people have bills. Of course, this is fine as long as you can pay it on time and don’t let it swell. If you can’t pay, of course the bills will continue to pile up.
If you leave it, it will become a time bomb for you. It’s possible that at any time the bills will pile up and make it difficult for you to pay. If this happens, of course you will have a headache, right?
5. Don’t have an emergency fund
According to Financial Expert CNBC Indonesiaemergency fund (emergency fund) are funds that are deliberately prepared to anticipate various kinds of emergency conditions that require the immediate presence of cash funds.
For example, when you are suddenly laid off, you suddenly fall ill and have to undergo outpatient treatment which is not covered by insurance, also to anticipate other unexpected emergencies in your daily activities such as roof tiles suddenly leaking in your house, a car being hit by a dent. and so forth.
By having an emergency fund, you don’t need to be tempted to go into debt when you need cash quickly. That is why the role of emergency funds is very significant in efforts to build healthy finances.
So, those are five signs that you will have difficulty becoming rich. Is this in you? If so, there’s no harm in cleaning up before it’s too late.
[Gambas:Video CNBC]
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