Living on your own

            Hello, I want to talk today about living on your own. Living on your own is to use the income we in the future for the needs of daily lives. Daily lives is not just about to eat and drink, but also about the place of residence, vehicle, and other necessities. For example a clothes, the costs of transportation, and the cost of utilities (electric ,water ,and phone). Why we must talk about living on your own? Because it is  not forever, we use money from parents. I will show you one my living on your own.

            In the future I want to be auditor so I must prepare what I must have to be a professional auditor.  First I will talk about my fixed expense. In the future I will rent a apartment, to do this all I will use my 30% my salary for the costs of rent the apartment. My salary target is 5.000.000 rupiahs for the fresh graduation so I think I will get that. Then I use 200.000 rupiahs for motorcycle insurance and 800.000 for motorcycle payment, that’s all 1.000.000 rupiahs. I think buy a motorcycle will be good for the future because it like investment for the future.  I done use 50% from my salary future I must save to much my money for the others need.

            Next is about my flexible expenses. I use 50% from my salary future for my needs daily. So I use 600.000 for savings, 1.000.000 for foods, 100.000 for cost of utilities, 50.000 for parking, 100.000 for repairs. 300.000 for clothing, 100.000 for entertainment, 150.000 for household items, 100.000 for personal items, if I sum that all my cost in flexible expense its 2.500.000 rupiahs. So I will use my 50% for fixed expenses and 50% flexible expenses. So my totals expense = my totals income for now. So I think I must find other job like a part time, or sell in online shop.

            If only speak in the living on my own it is very easy. But that also followed with ad consistent and managerial money, because with a consistent and managerial money we can figure out how we use the money was for the benefit of the most wise and not for pleasure on that day. Don’t use more that 40% of your salary for your lifestyle, we must consider the needs of the other. So take your money properly and don’t fall in sheer desire.

The art of budgeting

            Hello, everyone. Today I'm going to talk about budgeting and I'll give you an example how to do budgeting. Budgeting is a process or the measures taken by someone either individuals or groups with its going to the needs and sort out which are not necessary in financial management. Budgeting is like we think about what will be our budget and we do the recording will be such expenses. Let’s go.

            First I'm going to do budgeting in my education. Today I went to the college of accounting, I got to college need a few things that must be in prioritize such as the cost of tuition, books, photocopy, food, money transportation to college, and other expenses.  I now there is no income, that's where I get from my parents.  Here I am giving priority to study hard and graduated , to my parents proud and not in vain to pay my expensive to go to college. It is to prioritize in education is what I've just mentioned such as the cost of college, buy books, photocopying and so on. and the need to reduce other costs such as eating, so that my opinion go home to eat because of the house and college is not too far. If in taking into account in one semester without eating, cost of college Rp 4.500.000, money for the book Rp. 500.000, and fotocopy Rp 300.000. It has reached Rp. 5.300.000 but is an estimation, after the count is calculated by other purposes I can spend 6 million in one semester. I've divided up for these purposes, so it can also called the budgeting.

            Then i budgeting in my social goals. Here I am has been incorporated in “Keluarga Mahasiswa Buddhis Palembang”. In this organization I learned a lot in socialization with other people, looking for experience to work, how to be a target in the team that have been determined and others. The problem of budgeting in this case, most of the time I used to eat because there's no way to go home. this is done every day of week so that the 4x in a month I had Rp. 20.000 for lunch in a month of Rp 80.000. So I prepared Rp. 100.000 for the purpose it every month.

            And the last is about my financial goals. In financial goals, I'm going to buy the house, car, then used for investment, savings, and to pay insurance. Although I have no job, I need to do budgeting for the future. I can not be sure how much of that but I have future the price will be everything, but it back to income the future salary. so find with hard work to a satisfactory result.

            In spending to budgeting is often out hope, is always greater than budgeted. I like to go to the internet cafe and then went to a movie, hanging out with friends that I think need to do budgeting of that. I think that's all, have a nice day. Good bye.

           

Making Money

Making Money is like creating money through business or work. The more we try to making money, then he greater the chance that we can make money. Everyone can making money, not only among the parents or adult, but young people can making money. For example, it is making money like buying things then selling them at a higher price.

If we choose to work in the company there are several factors that we need to prepare and you must take various actions to obtain a job. First Assess your personal interest, abilities, and career goals. Determine the areas of study that you wrestled during this. Introspective about how much ability you in the selection field of the job. For example, In choosing between a career in accounting, you have to know your strengths and weaknesses. Second Evaluate the current employment market. We need an evaluation in order to find out how much competition we have to take in order to be able to work in the company. Third Identify specific job opportunities. Then is the identification of certain jobs that if were not comfortable will the type of work we can to ask for on the move in other parts of the results more productive and efficient. Fourth Apply for employment positions with the use of a resume or application letter. Companies that need employees immediately. with the newspapers listed in accordance with the required specifications. And the last one Interview for available positions. Contents resume consists of self-identity, education, work experience and achievements.

The important thing is the interview, because that’s where the attitude of the individuals you will be seen. In addition, we should prepare for the interview. Before interview you must prepare like research the organization. We need to know what the organization and the origin of the organization. Then practice your interviewing skills. Learning how to deal with people who are going to the interview you, to talk, and no nervous. Then prepare questions that you plan to ask. Setting up a few questions would ask, can answer. Then prepare proper dress and grooming. Wear appropriate clothing and polite. And the last one plan to arrive early at the interview. Don’t be late go to the interview because if you're late, the people will judge you always late. During interview you must relax, be yourself, pray, believe you  can do it, calm down, and don’t lie. When you answer the question you must answer it quietly, complete, calm, and don’t be nervous.

Once people asking about you, you will be given a chance to ask about the company or organization. Use the opportunity to help you figure that one, then ask what you don’t really understand such as the duties and obligations that need to be met. After the interview Write down notes on how you can improve for your next interview and promptly send a thank-you letter to the person with whom you interviewed to express your, appreciation for the opportunity to meet with them. Good luck.

(Danny Aguswahyudi-1521101-PA203)