Jurus Mengatur Kocek Anda

Jurus Mengatur Kocek Anda

Jurus Mengatur Kocek Anda

Siapa yang tak ingin hidup bahagia dengan kebutuhan tercukupi? Tentu saja Anda harus pandai mengatur keuangan untuk mencapainya. Bagaimana caranya? Berikut ini beberapa tip simpel untuk dilakukan.

Tentukan Target

Prioritaskan tujuan Anda berdasarkan tingkat urgensi-nya, yaitu kebutuhan, keinginan, serta mimpi Anda. Cara ini membantu Anda membentuk rencana keuangan jangka pendek maupun jangka panjang.

Buat Anggaran Belanja

Buat anggaran belanja bulanan yang mengatur alokasi uang setiap bulan. Catat pengeluaran secara rutin untuk melihat seperti apa cara Anda menghabiskan uang. Biasanya, 60 persen uang Anda dialokasikan untuk kebutuhan sehari-hari. Perlu Anda ingat, membayar hutang lebih penting daripada menabung, karena biasanya bunga hutang lebih besar daripada bunga tabungan!

Menabung Secara Otomatis

Setelah punya anggaran belanja bulanan, Anda memiliki perkiraan jumlah uang yang bisa ditabung. Segera simpan uang tersebut ke dalam rekening terpisah. Anda bisa meminta bank untuk melakukan transfer otomatis setiap bulannya.

Disiplin dan Taat Anggaran

Disiplin akan membantu Anda menjalani rencana keuangan yang telah dibuat, sehingga target yang ditetapkan akan tercapai. Tapi tentu saja, rencana keuangan yang Anda buat harus realistis, sesuai dengan kebutuhan dan kemampuan!

Analisa Rencana Keuangan dan Sesuaikan Keadaan

Prioritas, target, serta keadaan keuangan keluarga Anda berubah-ubah sejalan dengan waktu. Jadi, jangan ragu untuk bersikap fleksibel dan menyesuaikan rencana keuangan Anda dengan berbagai perubahan yang mungkin terjadi.

Saatnya mencorat-coret sederet nominal Anda di atas kertas, dan mulailah menyortir dengan sadis keinginan-keinginan yang tak begitu penting!

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                  e-mail nightwolfkorp@gmail.com

Terms and Conditions

Terms and Conditions

Terms and Conditions

Terms and Conditions ("Terms")

Last updated: December 24, 2015

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the http://tokoonlinejohan.blogspot.co.id website (the "Service") operated by toko online johan ("us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by toko online johan.

toko online johan has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that toko online johan shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Indonesia, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Us

If you have any questions about these Terms, please contact us.

term of use

term of use

term of use

Terms of Use ("Terms")

Last updated: December 24, 2015

Please read these Terms of Use ("Terms", "Terms of Use") carefully before using the http://tokoonlinejohan.blogspot.co.id/ website (the "Service") operated by toko online johan ("us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by toko online johan.

toko online johan has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that toko online johan shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Indonesia, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Us

If you have any questions about these Terms, please contact us.

Privacy Policy

Privacy Policy

Privacy Policy

Last updated: December 24, 2015

toko online johan ("us", "we", or "our") operates the http://tokoonlinejohan.blogspot.co.id/ website (the "Service").

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We will not use or share your information with anyone except as described in this Privacy Policy.

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at http://tokoonlinejohan.blogspot.co.id/

Information Collection And Use

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to, your name ("Personal Information").

Log Data

We collect information that your browser sends whenever you visit our Service ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive.

We use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Service Providers

We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy

Our Service does not address anyone under the age of 13 ("Children").

We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your Children has provided us with Personal Information, please contact us. If we discover that a Children under 13 has provided us with Personal Information, we will delete such information from our servers immediately.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us.

term of service

term of service

term of service

Terms of Service ("Terms")

Last updated: December 24, 2015

Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the http://tokoonlinejohan.blogspot.co.id website (the "Service") operated by toko online johan ("us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by toko online johan.

toko online johan has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that toko online johan shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Select..., Indonesia, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Us

If you have any questions about these Terms, please contact us.

usaha bisnis anda gagal ini lho maslah nya

usaha bisnis anda gagal ini lho maslah nya

usaha bisnis anda gagal ini lho maslah nya

“Kegagalan adalah sukses yang tertunda”. Ya, ungkapan itu memang benar adanya. Dengan mengalami kegagalan, Anda dapat belajar dari kesalahan, sehingga pada akhirnya Anda lebih mapan pengalaman. Nah, jika saat ini Anda sedang merintis sebuah bisnis atau baru ingin memulainya, penting bagi Anda untuk tahu faktor-faktor penyebab kegagalan. Simak beberapa poin berikut ini. Minim kemampuan manajerial Minimnya kemampuan manajerial mulai dari salah mengelola keuangan, tak jeli melihat pergerakan pasar, hingga gagal memotivasi karyawan adalah akar dari kegagalan. Solusi terbaik, cobalah untuk mengais ilmu dari berbagai seminar atau pelatihan manajemen. Selain itu, Anda juga bisa minta wejangan dari keluarga atau teman yang sudah lebih dulu terjun ke dunia bisnis. Terlalu percaya diri Ingat, tak semua ide cemerlang akan ‘meledak’ di pasaran ! Oleh karena itu, janganlah terlalu percaya diri dalam menjalankan bisnis. Cobalah terlebih dulu lakukan uji kelayakan pada produk yang akan Anda jual. Ya, Anda bisa melakukan riset atau jajak pendapat dengan keluarga atau teman. Minta mereka menilai dengan jujur tentang ide yang Anda miliki. Tak berpromosi Promosi merupakan kekuatan terbesar dalam berbisnis. Ya, akan sangat mustahil Anda bisa menggaet pelanggan yang banyak tanpa melakukan promosi. Jika tak ingin keluar uang banyak, Anda bisa lakukan promosi digital dengan memanfaatkan media sosial. Kurang perencanaan Untuk meminimalisir kegagalan dalam berbisnis, cobalah rencanakan segala sesuatunya sebaik mungkin. Ya, banyak pelaku bisnis yang akhirnya gagal karena kurang matang dalam mempersiapkan perencanaan. Padahal, melakukan perencanaan tidaklah harus rumit. Yang terpenting bisa Anda jadikan pedoman untuk mencapai target. Tidak fokus Saat bisnis Anda mengalami kelesuan, Anda memang disarankan untuk mencari produk baru sebagai varian. Namun, cobalah untuk tidak melupakan produk lama Anda. Kenapa? Bergonta-ganti produk justu bikin pelanggan bingung dengan identitas bisnis Anda. Oh ya, jika ingin melakukan ekspansi bisnis, tunggulah hingga bisnis utama Anda benar-benar matang.