You already have your financial plan in 2010? If not, maybe you should be honest and answer the following questions:

* Your monthly monitoring how much money you spend?
* You pay for your credit card in full?
* Do you have reserved a number of pension funds?

If you answered ‘no’ to question 3 above, now is the time to solve a new resolution on personal finance and in 2010 to prepare . Indonesia, United States, said its financial skills, financial management, the first step is a better approach is to assess your current financial situation, namely re-recording of assets (whether you have), and how much debt you have. Sound financial management practices, used to create a budget, you can monitor the income and expenditure.

According to the survey Financial Information (financial quotient) from United States of Indonesia, only about 29 people who according to a monthly budget, they created%, while 82% of people at this stage to try to establish and implement the budget.
To this end, it’s time to clean up your financial management, once you know what the current financial situation. You can plan and financial targets are smart. What? Work Officer (specify): Set specific goals, not just to say: “From next year, I will be more diligent saving.”

To determine how much savings you want, when you start to save money and how long you will get the required value. Therefore, you can also become a more disciplined, set aside some funds on a monthly savings.

M (easy to measure): to set measurable objectives can help you monitor whether you planned to achieve its objectives. If your goal is to raise money for the downpayment on the new house next year, and then from your income, the decision should be set aside each month. You can measure per month for each of your financial situation.

A (to be achieved): you can achieve the goals and long-term planning, but still found a small goal that can help you achieve greater results. Suppose you want to have a 15 million U.S. dollars a year, then you need to complete a small goal each month is to save a minimum of Rs. 1,250,000 in the next 12 months.

Residential (Reality): Creating financial goals must be realistic, because if not, you may be faced with a big failure. For example, you want to achieve within one year 60% return on investment.

T (target real-time): The real goal is that there are some achievements can be measured. You will inspire to set a higher goal, and if you have to achieve this goal, any decision.