The Acne Prone Wife

Don Rosa's Scrooge McDuck I am Don Rosa 's fans Belajar dari Paman Gober yang suka mengumpulkan koin emas , Berkat nasihat berbagai pihak dan bacaan financial news/blogs di internet, saya mulai senang membeli emas sejak beberapa tahun lalu. Awalnya saya berencana mengambil keuntungan lewat emas. Beli murah, disimpan sampai lama, nanti bisa dijual tinggi. Tetapi kemudian saya belajar dari @mrshananto di Twitter, kalo mau cari untung, borong baju di Mangdu aja terus dijual lagi dengan harga lebih tinggi. Setelah membeli dan menjual emas (sedikit-sedikit sih) mulai dari harga emas masih IDR300,000 sampai sempat menyentuh IDR550,000 dan sekarang si emas beredar di area IDR500,000, saya belajar bahwa saya menyimpan emas untuk: Sebagai pelindung nilai. Jadi begini, uang IDR1,500,000 lima tahun yang lalu, tahun ini daya belinya akan menurun karena inflasi. Maka saya melindungi nilai uang tersebut dengan menyulapnya menjadi emas 5gr lima tahun lalu. Tahun ini, 5gr emas te...

A reminder for myself, which might be helpful for you as well, from @PritaGhozie's twitter today: Sebaiknya sebuah rumah tangga yang ingin punya pengelolaan keuangan yang baik harus membagi dana menjadi 5 pos berbeda. Giving : rekening ini isinya untuk menampung zakat penghasilan dan zakat harta yang sudah terkena mishabnya. (Or in my case: tithing). Living : ini isinya untuk bayar tagihan listrik, beli makanan, bayar uang sekolah anak, dan lainnya. Emergency Fund : ini isinya untuk dana darurat yang bisa diambil sewaktu-waktu saat dibutuhkan.  Saving: pakai rekening ini untuk melakukanp roses menabung dan investasi bulanan. Playing: rekening ini bisa dipisahkan untuk suami & istri, agar bebas melakukan pengeluaran pribadi yang disukai. Contohnya ke salon, belanja, dll. They say that ideally these five posts need five different bank accounts. However you can always make mental bank accounts and keep tidy bookkeeping, right? Have fun planning your financial life!...

I know that in Money Talks I said I wanted to talk about Emergency Fund first. But after thinking it through, I think I'm comfortable with first talking about Retirement Fund. Note: This post will talk about money in IDR currency. Everyone plans to retire someday, right? To be able to enjoy your senior years without struggling about work and money anymore. Now, let's do some math with the help of http://tujuanloapa.qmfinancial.com Please click it for bigger image. So if I am now 28 years old, and I want to retire working at 55 years old, and I expect to live until 80 years old, that means I have 25 years of enjoying my retirement life. The problem is I will still have expenses, right? And because I will have retired, I will no longer have income. 25 years of having to spend for expenses without income. Oh no. Perhaps you will say that it will be easy because by then we will already have saving. So now, let's calculate how much we need for that 25 years of my retirement lif...

For some time I've been reading some blogs from (Indonesian) independent financial planners, and I realized that I couldn't have been less wiser in money matters. I have posted in January about how I wanted to do debt diet . Fortunately, this one I managed. I have trimmed down my debt and I can proudly say that I am now free of debt. But I have almost no saving. According to those financial planners' blogs I read (they are on the list of My Daily Reading on the right side of this blog, by the way), the next things I should prepare are: Protection (Insurance) Emergency Fund Education Fund (for my future children) Retirement Fund Now, how much we should prepare for those funds, and what financial products we should buy, they all depend on each of our goals, so what works for me might not work for everybody else. Note: Now, excuse my English terms in all this financial matters :D The blogs I read are in Indonesian, and I am not familiar with finance terms in English :D Let...