The more days the level the higher the lifestyle needs, and become more consumerist society. As a result, the funds needed to meet the needs and desires become increasingly high. If you can not separate the needs with the desire, I wonder if you are spending so much greater than income.
“Society today is difficult to separate where the needs and desires. Example, when the money barely lot more men choose to buy cigarettes instead of buying food. Mending ngerokok not eat than not,” said Hilda Fachriza, Head of SME Center and a lecturer at the Faculty of Economics University of Indonesia, while Discussion Media “Create Opportunity, Empower Societies, and the Collapse Gap” in Jakarta, some time ago.
While women are usually difficult to resist the urge to shop when looking at various fashion products or make-up date, especially if it is heavily discounted. And if you look closely, all of this is only intended to follow his lifestyle.
Besides the issue of consumerism is high enough, Hilda also revealed there are some financial problems experienced by the community, especially in big cities, namely:
1. Not have planning
Every person has different needs. Therefore, every person should need a good financial planning. Unfortunately, most people just do not do it. They tend to think short to get momentary pleasure, and regrets later because their pay is up to purchase items that were not needed.
2. Difficult to save
“Actually, everyone is aware that they have to set aside money for savings. Unfortunately, it is still very hard to do,” he added.
This happens because when they had more money, would immediately be tempted to spend it. Hilda added, the problem is not just saving money difficulties experienced by the big cities, but also small towns, especially the residents of livelihood as a small business owner.
“The owners of SMEs are usually complain of income are also small so it does not have money to save. They still had a thought that it should be saving large amounts of money while the rest of them a little,” he said (Read: Saving Difficult? Maybe this reason).
3. Financial education
Consumerism and poor financial planning is one of a lack of financial education in the community. The financial education when it should have been taught from an early age. The goal is not to make you rich, but rather how to manage finances for a prosperous and fulfilling life.
4. Did not have a vision for the future
Each person must have a lot of plans for his future, whether married, walks out of the country, building a business, buy a house, or maybe invest. To do all this required no small cost. So, it’s good to start saving and make your dreams come true.
“When they do not have dreams and visions in the future want to do anything, to be sure they do not also think about their future financial needs,” he concluded.