The greater cost burden every few periods of time, the need for money keeps coming. Appropriate financial arrangements it is important to ensure that no errors and can continue to maintain the continuity of the availability of funds to go later. Here are the things over money that is often forgotten by the women:

1. The financial focus on the cost of college kids
The financial experts agree, one of the errors on the financial arrangements made in the mother is sure to set aside funds for old age for children’s college fund. Usually parents who are caring for children with young age did not have sufficient funds to set aside to fund at an advanced age, but continue to force myself to pay that much for his kids college tuition.

A heavy financial burden is when we must keep parents who do not successfully saving to fund their own retirees. This is even more distressing than to find cost for their own education costs. Try looking through the eyes of the child. So, for parents, it would be wise if you could spare the funds to take care of themselves in the future and does not charge your life in children. This is not a selfish thing, this is one way you love the child, because you think their interest as well. You do not know what diseases you can get attacked in the future, and you will need funds to be able to keep how much of your own life.

2. “My husband is taking care of financial …”
It is time for women to get involved in the problem of payment of bills, savings, and investment. At least, try to sit down with your husband once a month to find out and learn your family’s financial circumstances. Monique Honaman, author of The High Road Has Less Traffic, said many women do not understand about the financial situation of his family, and this will put itself in a fairly vulnerable position if something happened to her partner.

Suppose, things happen that no thought from the beginning, eg, on divorce, they should know about this sort of information to make wise decisions about the future of their children. This is not only relevant to couples who are divorcing. But for all married couples. For example, when my husband died suddenly, she needs to know the financial situation to be able to think and stand on their own feet, not the clueless and worrying about finances.

3. Frugality by giving pocket money
Pocket money it could save the family finances. Experts say, that this is a good thing to teach children about money, including about learning to save for expensive toys they want. Obviously, you must limit spending money according to their daily needs sufficiently. This is suggested by Karyn Hodgens, founder Kidnexions Kids’ Personal Finance Educator.

When a child has been restricted with pocket money, they will provide the opportunity for children to think how they would want and need toys that they are targeting. Learn to say “no” to children is no easy thing, but still important. Is the duty of parents to educate children to become an independent person, including maintaining their own financial. When you do not give pocket money, you often lose track of how much you spend on snacks the child.

4. Irregular
Untidy house not only affect the health and sanity of mind, but will also be a problem for your finances. “I’ve seen kids use to use the tight clothes with price tags still dangling in the back, using the same books repeatedly, and had to throw a toy that lost one of its share,” said Leah Schneider, organizing consultants, Organize Right Now LLC and author of Growing-Up Organized.

Try to organize the clothes by size so that the child could actually wear these clothes. Only buy clothes when they need a new size for a particular activity, not because the clothes look cute. Buy clothes in the hallway that was discounted, and the stocks to a larger size, so can be worn long enough, take care that his best clothes. Organize toys and books; teach children how to appreciate these items every time after use. This is important, so that these items do not quickly broken, and not have to buy again.

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.