Who would not want to live in prosperity, free from financial problems? You can accomplish this through financial planning which starts from first personal finance. How?

1. Automate your savings

Do not save at the end of the month. Select the early months so that cost savings are not discharged by fitness, party, shopping, etc.

2.Plan ahead

Create a table 5-10-15 or 20 years to come, including buying a car until the child’s education. It will be seen years where that requires a large expenditure, to be repaid from the current

3. Financial Planer

They are consultants who will be able to open your eyes and show in level decent lifestyle where you live.

4. Investment Diversification

It is better to invest in various forms. If the price falls from one another investment is still prevented.

To avoid fraud in the style of the bank, Bank Indonesia provides tips for transactions via the Internet (e-banking), mobile (m-banking), phone (phone-banking), or even via SMS (sms-banking) that you do run smoothly and not misused other parties.

Before the trap of deception, it is good for you to make sure some of the reason in the field of banking crimes:

1. Telephone Fraud
This mode is usually done with him and told you that you get a reward, the family experienced severe, or expressed interest over the goods advertised. Under it the caller will guide you to the ATM and guides you follow the instructions over the phone.

How to avoid:
First check the identity of the caller. Immediately close the phone and checked for any information you receive. For companies running the lottery in general are not asking winners to transfer some funds to the companies running. If you received a phone call telling me there was the family by accident, do not panic. Equipment check the identity of callers and do the checking. Well, if you put an ad to sell or rent your property, be careful of callers are very easy to agree with the price offered and promised to transfer a sum of money as a sign so.

2. Email scams
There are times when you receive an email that seems barasal from the bank and it looks like the original. In this mode criminals ask you to enter account numbers and PIN numbers. The other way is to create a website address of your bank that seems original but are actually fake website. Usually you will be prompted to enter the number of your PIN number in this website is the reason for updating personal data.

How to avoid:
Never reply to emails that ask you to enter an account number (or user id) and PIN number. Banks may not ask for personal information via email because the bank already has that information. If you go into the bank website to do transaction, make sure your website address is correct and you have the additional security procedures such as tokens, as well as user id and password.

3. Fraud through investment in return for very high interest
In this mode a company usually offers the promise of investments with very high yield. Be careful, because some bids did not meet many of the proven return as promised.

How to avoid:
Ask yourself, is it really fair interest return on investment is very high. Do check the credibility of the company offering the investment. Make sure you’re protected from a legal standpoint before deciding to make an investment.

4. Fraud using credit card on internet
Today more and more shops or merchants that offer products and services via telephone or the Internet with the convenience of paying by credit card. You are only required to mention the credit card number, validity, and three-digit secret code printed on the back of your credit card and the transaction was executed.

How to avoid:
Make sure you understand the products and services offered from the stores or merchants, and understand the terms and provisions of goods or services offered.

5. Counterfeiting of bank call center phone number
Perpetrators are usually made as if you damaged a bank ATM machine and your card swallowed. Panicking unconsciously you will contact a number of false call centers around the ATM machine. Usually the actors will ask for your PIN number and armed with these numbers, the offender will drain money.

How to avoid:
Record the number 24 hours from the bank where you become a customer. Never give your PIN number because the bank will never ask customers PIN numbers.

Several major problems stems from the question of money. How to get the money safely, without having to knock the rules or exorbitant interest rates?

Children go to school, college, medical needs, need capital to do business, and a long list of other issues it feels urgent. Various financial institutions are promising a variety of easy to get fresh funds. But not mistake in selecting institutions that match your conditions.

Some institutions sometimes offer convenience at the beginning of the transaction. However, the tail is sometimes difficult. Whether the interest continues to strangle or greater interest receivables from loans. Obviously this is not a profitable option.

Institutions that provide various services, namely Pawnshop. There are various options that can be selected to receive funding according to need.

Here’s a list of products Pawnshop;

1. Installment credit Fiduciary Systems (Creative)
Creative or fiduciary system installment loan is a loan to a small micro-entrepreneurs (within the framework of business development) with the guarantee scheme in fiduciary and loan repayment made through installments per month within 12-36 months janga credit.

2. Ar Rahn Credit for Micro Enterprises (Arrum)
To meet market demand sharia-based business credit, has launched Credit for micro-entrepreneurs Ar Rahn (Arrum) a credit scheme similar to Creative.

Obtaining credit by way of surrender Books Motor Vehicle Ownership (BPKP) as collateral with the loan interest rate 0.9 percent per month, flat.

Credit creation is the modification of old products formerly known under the name Loan Pawnshop Business Feasibility.

3. Sharia Pledge (Rahn)
Rahn is a pledge of service products that are based on sharia principles with reference to a modern administrative system.

Large loans with conventional mortgage / KCA, but differ in the process of capital leases. Islamic Pawn To determine administrative costs paid in advance, ie when the new contract / contract extension Rp1.000 as low and as high as Rp60 thousand for a maximum loan amount to Rp200 million.

Ijaroh tariffs charged Rp85 per ten days of mass deviations for each multiple of Rp10 thousand of estimated goods deposited collateral / pledged.

4. Installment Loan Pawn System (Krasida)
Krasida is granting loans to entrepreneurs mikrokecil
(In the context of business development) on the basis of lien. Dilkaukan loan repayment through installments per month with a credit period 12 to 36 months, and giving discounts for capital leases may be granted if the customer make payment credit simultaneously. Interest is set at 0.9 percent per month, flat.

5. Business Credit Households (Krista)
Since June 2006 has been launched Krista for the women entrepreneurs who are members of business groups. The minimum loan amount maximum of Rp1 million to Rp100 thousand, with a term of 12 months. Imposed a one percent interest, the flat.

6. Non Governmental Housing Loan (Kremada)
Credit was launched in December 2006, given to low income people to build or rehab / home repair.

For the new buildings are given a maximum loan of Rp10 million, while the rehab / perbaikian home loans granted amounted to Rp 5 million. These loans customers nine percent administrative fee paid in advance, and zero percent capital leases. Funding of this product in cooperation with the Ministry of Housing.

7. Pledged Securities (Investa)
Pledged securities representing loans to people with collateral in the form of shares with a pledge system.

8. Noble
Is the sale of gold by the Pawnshop to the community in cash or in installments over a specified time janga. Honor is a product of sharia, which was launched in 2008. In the first year of launch, this product is quite a good response from customers.

Assuming your credit is good, you should have no trouble choosing from several different types of personal loans. This means you will need to compare each of the personal loan options that are available to you if you are to get the best deal you possibly can. Your ultimate goal is to go with the easy personal loan that provides you with the best terms all around, as well as prompt customer support when you need it.

One of the first points to consider has to do with the type of interest rate associated with any easy personal loan option that catches your attention. Keep in mind that, depending on the status of your credit rating, you may be able to consider both secured and unsecured personal loans that have fixed as well as variable rates of interest. If you anticipate that the average rate is likely to increase significantly before you pay off the loan, you may prefer to go with a fixed rate in order to keep your interest at a minimum. However, if there are indications that the average rate will decrease for at least part of the time you have the loan, you may want to consider an unsecured or secured loan that has a variable rate, allowing you to take advantage of low interest when and as possible.

Once you settle on what type of rate to go with, it is time to look at the amount of your starting rate of interest. Because so many lending institutions offer some type of easy personal loan option, you will find lenders offering different rates in an attempt to gain customers in the competitive market. Even a small difference in the personal loan rate can add up to significant savings over the course of your loan.

Don’t forget to note how the interest is calculated and applied to your loan balance. There is a big difference between what you will pay on a loan where the interest is compounded quarterly versus one that is compounded annually. Depending on what part of the world you live in, you may find several variations on how the interest is calculated and applied. You may find that a loan with a higher interest rate is actually the better deal, if the process for compounding the interest is more favorable.

However, before you jump at what seems to be a great deal for an easy personal loan, always read the fine print first. There may be fees and charges that apply to that loan with the low rate that are not present on loans carrying a slightly higher rate of interest. Those fees mean you pay more in the long run, effectively making that low-interest loan a much less attractive option.

As you compare personal loan options, always keep in mind that you want to deal with an institution that is financially stable and has a good reputation among consumers. Make it a point to read consumer reviews and reports before you make a commitment to any institution. Remember that you not only want a great rate and reasonable terms, but also solid customer care. This could save you a lot of trouble later on, and help you choose the ideal easy personal loan package for your needs.

When we want to save some amount of money, we relate this to bank, as the safest place to safe money, but do you know that there are other ways, even begin from the simple way in daily time. Only routinely doing the following advices and you can see how money has been so kind to you.

Classis saving
When we were a child, we are very familiar with the term, piggy bank, or in bahasa Indonesia we called it “celengan” and we grow old, that word seems ridiculous. Indeed, that little magic stuff still has its magic power for adult like us. Remain one thousand rupiah per day and put it in piggy bank until there is no space left. Although the amount is little, but little by little, it can be a lot of money in the future. Consistency needs to be applied here.

Coins wallet
You need to have separate place to save coins, maybe a little wallet. This little wallet can be brought anywhere, and when you need coins, for instance in parking lot, you don’t have to take from your “true” wallet.

Separate post for unpredictable event
Prepare your own outcome post for unpredictable post. This post commonly ignore, though we know that in a month, something out of prediction could happen. This post, then, will assist much and you do not need to withdraw money from your savings. It will save your savings and make your daily life in ease.

Those simple acts are as the companion of your saving account in bank. The financial ease is now yours.

Perhaps we are often amazed on how fast our salary evaporates with no good bye. We feel just yesterday we got the monthly salary but the day after, the money left is very little, not enough to live our life in the rest of the month. Why this tragedy could happen to us? How to overcome it?

Good estimation
No wonder if our salary just go away, we have no right and precise income and outcome estimation. Before we get our salary, make an estimation about our next month income (maybe we also have other side jobs, then predict the number of income you will get), and the outcome (list the things you will buy and you will do in details, for example: budgeting saloon routine, daily needs and many others. Good and precise estimation will make your life easier.

“wanting” and “needing”
How if today we want to buy new gadget, then tomorrow we want to buy new clothes. It is normal for wanting things, however, as thinking creature, we must think first before we buy stuffs. Please differentiate, “wanting” and “needing”. Make scale of priority, and then find out which one is you need the most, then buy it. Which one is you “mere” wanting it, you can postpone to buy it.

Money friendly life style
Spending weekend after being busy for five days is not wrong. Yet, it will be more “fun” for your financial if you are smarter in tricking the way to spend weekends. Just forget going to cinema, go shopping, or culinary walk, you can, from now on, rent DVDs and watch it at home with mates or family to make closer relationship or cooking together which will also train your cooking skill. Tempting right?

Saving habit
Our tradition is saving after spending some to buy stuffs. It is indeed wrong way to make your money remain much until the end of the month. You, then, should separate a number of money you will save (please decide the regular amount for monthly saving), and the rest of the money will be used for the needs in a month. So, however penniless you are, you still have savings, and your salary won’t merely evaporate in a sudden

Specific
Set specific targets, do not just say “Starting next year I’ll be more diligent saving.” Determine how much savings you want, start when you save money and in how long you will obtain the desired value. Thus, you can also become more disciplined to set aside some funds to be saved per month.

Easily measured
Defining measurable objectives can help you monitor whether you are on track to achieve goals. If your goal is to raise funds for the down payment for a new house next year, then determine how much money from your income should be set aside per month. Each month you can measure had reached where your financial position.

Will be achieved
Make goals you can accomplish and think long term, but still find the small goals that can help you achieve greater results. Suppose you want to have a USD 15 million in a year, then the small goals you need to accomplish each month is to save a minimum $ 1,250 n the next 12 months.

Realistic
Creating financial goals must be realistic, because if not, you could face a very big failure. For example, you aspire to reach the target 60% rate of return on investment within a year.

Goal Real
The real goal is the achievement of something that really exists, and can be measured. You will be motivated to set higher goals if you ever reach that goal ever before you decide.

Furthermore, said Sonitha, Involve family members in setting financial goals, because they too will support the achievement of these goals. Write down these goals and review from time to time, this will be very helpful in achieving your financial goals.

Fast time passed, did not feel the next day had entered the new year. Have you made New Year’s resolutions? Does that include your financial life in the year 2010? If not, maybe you should try to answer honestly the following questions are:

1. Do you monitor each month how much you spend?
2. Do you pay your credit card in full?
3. Did you already set aside some funds for retirement?

If you answered “No” to question 3 above, it’s time you unpacked about personal finances and prepare for the year 2010 with a new resolution.

Vice President of Corporate Affairs Head of Citibank, said Sonitha Poernomo initial steps to manage finances better is to evaluate your current financial position, namely the re-asset records (whatever you have) and how much debt you have. Good way to manage finances is used to create a budget where you can monitor the income and expenditure.

Did you know that, according to Financial Intelligence Survey (Financial Quotient) from Citi Indonesia, only about 29% of people who follow a monthly budget that they create, while 82% had at this stage of trying to create and follow a budget.

For the start of financial management and tidy up after you know the current financial position, then it is good you set goals and how to achieve your financial goals.
Sonitha express purpose and Financial Plan which the SMART ie Specific, Measurable, Attainable, Realistic and Tangible.