Friday, May 15, 2009

New Year's Resolution


New year is near. We all are preparing for held. You may even already have a plan special where you will celebrate the New Year.

Do not forget, in each new year we make we wish list for next year.
List of things that we want is what is called with New Year's Resolution. Here are 9 New Year's Resolution of the most popular:
1. Provide more time for family or friends.
2. Reduce body weight.
3. Stop smoking.
4. Enjoy life more.
5. Free from entanglement debt.
6. Holidays to the outside of the city.
7. Saving money for the future.
8. Help others.
9. Learn new things.

Remember that in menuntukan desire, we must be SMART.
Here are a continuation of the SMART-based Tung Desem
Waringin:
- Specific, we must make out the details of the desire
   us. Suppose you want to vacation outside the city, you must
   can already imagine the city to where you want,
   where you will stay, what places are
   akan your visit.
- Measureable, the desire must be measured. Suppose you
   want to provide more time for family or friends,
   You must be able to indicate how much time. As
   example 2 hours per day.
- Antusiasable, must remain the spirit of the desire to achieve.
   Do not desire it, so not too big in spirit
   achieving, or not too small to be considered
   trivial. Suppose your income is still not enough to
   to finance a holiday abroad, do not target goals
   holiday abroad. Cost of your holiday will be a burden,
   so you will lose the enthusiasm in the desire to reach.
- Result-Oriented, focus your attention on what you want
   You tired. Process or how to achieve can be arranged
   later.
- Time-Framed, there must be a period of time when we will reach
   our goal.

Well, we wish to realize, of course we need
plan. Financial side also not apart of the plan akan
us. Suppose you want to vacation outside the city. First -
You must first determine the location that you want to thrust. Suppose
You just want to Bali. Then you specify the type of
transportation, such as a plane. Also continue to set
the hotel where you stay, how long you are in Bali, and
recreational places anywhere that you want to visit. Details of
You plan, you can determine the estimated cost for
your holiday, for example:
- Aircraft traveling                :Rp. 1.400.000, --
- Hotel for 3 days                  : Rp. 1.500.000, --
- Eat 3 hours Cost                 : Rp. 300.000, --
- Entrance where recreation : Rp. 150.000, --
- Other Cost                           : Rp. 500.000, --
-------------------------------------------------- --------
                              Total: Rp. 3,850,000, --

As mentioned previously, the desire we have toTime-Framed given time period or the implementation. Suppose only You want to do your holiday in July 2010.
This means you have 7 days to prepare the charges.Divide the total estimated cost of 7, you will get Rp number. 550.000, -. Within 7 days ahead, you must save as much as Rp. 550.000, - per month to pay for your holiday.

If I may suggest, you should learn personal finance to help you achieve New Year's Resolution. For, without strong support from financial side, you will be difficulties in the process of achieving financial You. In the next article I will discuss about the finance for each new year resolution.


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