Well, not really that bad. But 2013 starts with (from my perspective) bad financial management in my little family. Di penghujung minggu sebelum gajian ini dompet udah mulai bernapas pendek-pendek alias sesek, hehehe. Why? I feel like I don't manage my family cash flow really well this month because there have been various expenses and some of them are in a good amount of number (without being too specific). We are not in an emergency situation though (thank God), our savings are safe but more like a status of Mount Merapi at the time it gave a sign of activation: STATUS SIAGA, belum AWAS, alias tabungan kas yang mulai menipis. But I always believe things happen for a good reason :) From here I learned to list down types of savings that I have so far and marked them with my financial objective, just to make sure that the saving is really worthed. More or less, I break down my financial plan into these following points: 1) Education for my children. Ini gw bagi berdasarkan ti...
where u can see near enough.