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Regardless of your job, and regardless of income every month, should be managed better to avoid a deficit. Management and proper financial planning will give the solution of financial problems. Including developing self-sufficiency, particularly for women heads of households. Often deny women could never spare the money. Including to save let alone invest. Though, by reducing the consumption of goods that are less important, such as jewelry or clothing different variations of the model and color, women can set aside Rp 300,000 each month. By leaving money USD $ 300 000 only, women can save money, have insurance or other investment.

Five stages that can be started women in managing finances:

1. Paying off debt
Although financial management already cluttered, not too late to fix it. Especially if you have the amount payable for patchwork. Start setting aside money from revenue to pay debt. However the debt to your obligations. Unpaid debt will gradually destroy your credibility. Your reputation is at stake if the liability (debt) still not settled. Allocate a maximum of 30 percent from a month to pay salaries or debt repayments.

2. Save
Convince yourself that regardless of the value of income, so could be set aside for saving. Allocate funds 10-20 percent of income for savings. To be able to carry out this plan, limit consumption. Women often tempted by any of the goods purchased are actually not too important. In fact, sometimes only carry the influence of friends or a trend. Begin firmly to yourself, by making the priority needs of a much more important.

3. Emergency Fund
Prepare also a reserve fund as an emergency fund. There will always be unforeseen needs, such as serious illness and should be treated. Hospitals need not cost a bit right? Start setting aside funds amounting to five percent of monthly income. Prepare emergency fund to six months ahead. As a precaution, make a special passive account for emergency funds, or acting as a savings. Separate accounts are passively activated from the special account for everyday needs.

4. Insurance
After deducting monthly demand, pay the debt, saving, and preparation of emergency funds, the remaining income can be used to purchase insurance.

Polar life insurance for the head of the family. Anyone who has become the backbone of the family, woman or man, should have life insurance, because if anything happens to the head of the family, family life can still walk and pay of insurance for a specified time.

In addition to life insurance, other insurance types that can also be given priority among health insurance. Also insured property, let alone used to do business, such as kiosks or stores.

5. Investment
Set aside money for investment, should be performed after the above obligation is fulfilled. The simple shapes, if you have more funds, invest your money in gold. But should be careful when investing gold, notice and understand the value of sales and quality.

Allocating money for investments can be taken from other revenue sources as bonus, inheritance, or other income outside the main income. Many kinds of investments, the risk varies, as well as with its investment in the future. Should identify more carefully before selecting an investment product.

If all five of this obligation has been fulfilled, monitor expenditure and adjust the plan that has been built. Disciplined use the money to be key to the success of financial management.

There are many ways used by the entrepreneur who has really become big in business.

Clarity: The first thing before starting your business is having a clear mind about everything that is needed. Having a clear view on the company’s mission and really know what you want. Ask yourself .. is this what I want to give to my customers? If you have clarity about this, then you will surely achieve success.

Actions must be / inconsistent successful business owners will never give up. They always try something new. Because of continuing work in the same way with no surrender they have made the difference between failure and success. They always learn many things, try new things more and last longer

Constraints: Identify the limiting factors in your company and deal with them. If you identify any limiting factor in your business and solve them, then you will accelerate the speed to reach your business goals.

Courage: All activities of your company depends on your courage. It takes courage to take the uncertainty in the company to generate profits. It is the courage to take the first steps that make a difference. It’s all about starting a new business without any guarantee that it will succeed. You must first have the courage to start working on your business idea even though you know that you will experience many problems, difficulties and temporary failures.

Creativity: You must be a person who can find something faster, better, cheaper and way easier to run your company. This is important because the success of any business involving innovation. Innovation is about solving your business problems. You should always focus on solutions rather than problems. By focusing on finding solutions related to the low profit and sales that a bit, then you will be able to find a technique that is more easily about how to solve the problem, not the other is by innovation.

Competence: You should be able to provide quality business services and acceptable. This can be achieved by dedicating your energy. Make activity a very good performance from the company to be your primary goal. Employees with the right expertise in your business will ensure that your business is competent.

If you are competent then the business will have a good reputation [defined as how your company is known by the customer. Reputation is about the quality of products and services you offer and the quality of the people who you have been used to provide services and goods that also interact with your customers.

Concentration: concentrate on your business idea by sticking him to succeed. Stay focused with doing things from this business. Make a well-planned schedule of the various task. This will make you do things in a way that organized well.

Humans are social society that are always interacting with others. Therefore, communication is one of the most important thing in human civilization. The main purpose of communication is to send a message through the media selected to be understood by the recipient of the message.

In business competition, or jobs that today’s increasingly stringent, effective communication becomes a necessity. Many ideas embodied creative ideas that failed because it was not delivered properly. An important job or large project was not solved completely only because of the communication barrier between the personnel involved.

The world’s management teacher, Peter F. Drucker said: “We Communicate how the massage sometime is more Important than the message Itself.” In some situations, it is often the way we communicate becomes more important than the content of the message we communicate.

One communications expert, Mary Munter, suggests that there is a customized four methods of communication with listeners (audience), the contents of the message (content), and the effect (impact). The four methods are:

1. Tell: In this method, the content is communicated only one direction, so that the involvement of a very small audience, and the resulting impact is not too large.

2. Sell: In this method, the sender of the messages is to use persuasive ways to communicate the way of content (the message) to the audience. Existing audience participation in the interaction, resulting in greater impact.

3. Joint: In this method, a parallel collaboration has occurred between the sender of the message with the audience, and there was synergy between them so as to produce a big enough impact.

4. Consult: In this method, the audience is more active than the sender of a message that is more act as a facilitator. This method is more effective in inspiring the audience. To become a good leader, demanded to have communication skills in this method.

Rental Rates
The first thing you should know is how much the rent decent housing. Find out in newspapers and other mass media, how the value of similar rental property standards. After that, ask the agent of the broker to assess the value of the rent that you may receive. This will give you an idea of the value of leases that may be offered.

Rental process
Meanwhile, for the rental of your home could use the help of real estate broker agent, or do it yourself by placing advertisements in newspapers or by word of mouth advertising. In order to more easily leased, be sure to check the condition of homes, from the level of cleanliness, whether there is any damage, electrical facilities, drainage, and others. Proper house to live and equipped adequately certainly has a higher rental value.

Prospective tenants
If you already have a range of appropriate rental value of the house, the next step is to assess the prospective tenant’s ability to honor its obligations. Be careful who you decide to rent a house, not to give it to the wrong people. So that none of the parties who feel harmed their rights, make sure to create a tenancy agreement in writing, signed on the stamp. Refine also how the payment system in order to avoid difficulties in future.

1. Introduction and Assessment

Do the introduction and exploration of the environment on a small scale, such as the type of food / cake what will be offered and liked the environment, the current trend is a popular food because the seller usually follow the market taste. Many of the early steps starting from a wide range of food, until finally there was only one type of food at the market appetite enjoy doing, such as independent case, Amanda steamed brownies and so forth.

2. Must Delicious

After the market appetite we hold, the next step is the quality of taste. Do not hesitate to do some experiments in order to taste the food you keep awake, surely it can not be separated from good quality raw materials.

3. Interesting Views

Taste delicious and tasty but unattractive appearance also inhibits lho customer purchasing power. Remember, the customer before buying would be seen from the first appearance, no matter how tasty food if bad how the presentation would have been fatal.

4. Service

Customers are king. yes, it is not just a slogan only. Maybe between us never buy food / cake is delicious but bad service! Do not count on customers coming back. Therefore give the best service you have. Many ways, among others, the quality, taste, cleanliness, delivery on time, show a sympathetic attitude, a friendly greeting, a smile sincere. This is a business law in interacting with customers.

5. Do Campaign

To promote a wide variety of food / cake. Starting from disseminating brochures, business cards, giving free samples to try and one that is very influential
word of mouth promotion. Testimony was extremely effective. But if without the support of brochures, business cards and so forth do not necessarily reflect the professionalism of good business.

6. Finance

Income and expenditure in managing the business of food / cake can be done in various ways, ranging from the most conventional way is the note in the book / agenda and with the bookkeeping in a way that is sophisticated computer systems. The basic remain the same good record income and expenditure and do not mix personal finances with your business governance.