Menabung dan Menhindari Godaan Pemborosan

Menghemat uang dan manajemen keuangan sangat penting dalam kehidupan seseorang. Uang sangat penting untuk bertahan hidup di dunia ini, tetapi hanya sedikit orang yang tahu bagaimana mengelola anggaran rumah tangga mereka dengan baik. Banyak orang sulit untuk menabung bahkan jika itu untuk kebaikan mereka sendiri.

Anda mungkin termotivasi untuk menghemat uang tetapi ada saat-saat ketika godaan menghampiri Anda dan sebelum Anda menyadarinya, Anda telah menghabiskan jumlah yang seharusnya ditambahkan ke rekening tabungan Anda. Berikut adalah beberapa tips bermanfaat tentang bagaimana Anda dapat menghindari godaan dan menghemat uang:

1. Belilah jika perlu. Jika Anda suka membeli sepatu meskipun Anda tidak benar-benar butuh yang baru, berusahalah untuk menjauhi goodaan itu. Jauhkan diri Anda dari toko sepatu, sehingga Anda tidak akan tergoda untuk membeli sepatu.

2. Ketika pergi ke toko grosir, bawalah uang secukupnya dan daftar belanjaan. Jika Anda memiliki uang terbatas di kantong Anda ketika berada di toko, Anda akan memaksa diri Anda hanya membeli hal penting yang Anda butuhkan. Mempersiapkan daftar belanjaan juga akan membantu Anda menentukan hal-hal yang perlu diprioritaskan.

3. Pergi ke mal hanya bila diperlukan. Jangan pergi berbelanja jika tidak ada yang perlu untuk dibeli. Berjalan-jalan di mal hanya akan menggoda Anda untuk membeli gaun yang Anda lihat di toko bahkan jika Anda tidak benar-benar membutuhkannya.

4. Jangan membawa kartu kredit Anda setiap saat. Selalu membawa kartu kredit akan menggoda Anda untuk membeli hal-hal yang tidak perlu.

5. Anda harus memiliki tabungan. Jika gaji anda ditransfer melalui rekening bank, usahakan untuk memiliki dua rekening. Yang satu untuk arus pendapatan dan pengeluaran, yang satu lagi untuk tabungan jangka panjang Anda.

Cari kerja?

Kunjungi e-jobz.com

The Way of Patience at Work and Ninja Spirit

Patience is heart of flower, let it grow at work to win with others.


Sometimes we hears 'I hate my work', 'My working situation is getting worse", "Everyone blame me and scold me and make me a loser". Another says, "I was patient and have tried to be patient, but I cannot resist anymore with work situation" of "my patience is limited, and I won't be patient anymore."

The word patience and bad working situation remind me about something interesting me when my brother in Indonesia learned shodo (Japanese Caligraphy). It was the character of "Nin". This character is also related to the word "Ninja", "Ninpo" and "Ninjutsu". Ninja were really not assassins sure they had to do that occassionally but a true ninja was and is a person of endurance and perserverence."The first priority of the ninja was and is to win without fighting", according to Essence of Ninjutsu By: Masaakai Hatsumi.

The Japanese "Nin" character represents the ancient martial art of Ninjutsu and it's higher form of Ninpo, the Arts of the Ninja. The "Nin" symbol translates into Endurance, Perserverence, Patience In many people's image, Ninja (person who masters art of preserverence, and patience) is hero. So, are preserverence and patience heroic acts? You can decide by yourself by considering role of patience and preserverence in peace, harmony, and achiving success. We should change our mindset, stating that patience and perserverence are actions of weak person. Instead, patience and perserverence were possed by the persons who knows 'The Secret'.


The Japanese character for Nin consists of two parts or radicals. The upper radical is called yaiba which refers to the cutting edge of a blade. The lower radical can be read either as kokoro or shin, both of which mean heart. One, who consider patience weakness, translates "Nin"as "heart stabbed by blade", meaning to say "he saves anger". Ancient saying says, "Patience, or preserverence (Nin) is not heart stabbed by blade, but it is heart of flower, instead" So, to manifest patience, we should develop heart of flower. We should choose to develop happiness, joy, and gratitude, instead of fighting against hate, stress, anger.

At work, sometimes, we work under pressure. Many things, we should finish. Some people ( customer or colleague or our boss) scold us. The bad situation at work that we feel make us difficult to take breath. Sometimes, it also happen in our relationship and social life. Then, we try to be patient, but we translate patience as "heart stabbed by blade" or we just let bad situation happen and save the anger and sadness in our mind. The situation can be worse, we can get into more stress because we attract worse situation, worse work climate, worse relationship. We try to fight againts jealousy, anger, sadness in our heart, but they grow bigger and bigger because we think about them. It is law of attraction, according to "The Secret" by Rhonda Byrne.

So what should we do, when in bad work situation? Remember 'Nin', 'the heart of flower', being patience means that you choose to feel joy and gratitude. Remember a happy moment, the beloved one who inspiring you, a momment when you are in love, a momment when achieving something. Visualize and imagine that you have achieved best situation (perhaps work performance achievement, happy momment, good relationship) and be grateful! Feel the joy, happiness, and grattitude and smile. Feel and the flower in your heart grow. That is patience. Spread it to all people.

The change within can attract better situation at work, in relationship, and in social life. You will be hero who posses way of patience and preserverence.

This article is posted in http://www.e-jobz.com , an online talent market by human resource, outsourcing, recruitment service consultant in Indonesia, and written by a copy writer for Askill Indonesia ( A-Skill ), Asian Skilled Resource, an Indonesian Manpower Supply Company for Overseas Project ( PJTKI ).

Why Fresh Graduates Avoid Sales and Marketing Position

It's phenomena in Indonesia. When I was a fresh graduate, I saw that most of my friends avoided the positions related to sales and marketing. Many of them thought that rejection from prospects was embarrassing. It made them shy to offer or sell something. That's why they rejected the offered positions related to sales and marketing.

However, every body has ever felt shy, almost every body has ever experienced rejection when offering something. So..rejection is not embarrassing, rejection is normal because every one has freewill to decide whether to accept our recommendation.

Most of fresh graduates avoid the career related to sales and marketing. However, whatever your job, you sell something. Sales and marketing are related to offering and recommending something. And, every one has experience to propose, offer, and recommend something. When you write your application letter or CV/resume or when you are a candidate in job interview, you propose and recommend your skill and the benefit if the company recruits you in order to get money. It means you try to sell your skill and time to get money. Many times, some companies reject what you propose in application letter as well as in interview – but it doesn't mean that you die, you keep going for other opportunity. If you are university graduate, you have experienced in thesis exam. When you make proposal for study or take thesis exam, you propose the benefit from your study and recommend reference of theory which supporting your hypothesis. It means you also sell something – you offer your idea for your future. Sometimes, your lecturers reject your idea – but it's not big thing. You keep going for your future. Many times we give suggestion to our friend and family and sometimes your suggestion is not accepted by them; it means you try to sell something – you sell your idea.

Why rejection is a big thing? Many of you have experience of rejection when you propose your love to beloved one. Perhaps, you experience broken heart, rejection when you try to propose idea in your company, in your study, or in your community and some of your friends mocked at you that your experience of rejection is embarrassing. And, it make you frustrated but the fact is that you can make another better opportunity. The fact is that “rejection itself is not a big thing”. Our environment has created to our mind set and programmed in our mind that rejection is scary and embarrassing. However, most of success people experienced of rejection, too. But they had perseverance to recommend and sell their idea. Jack Canfield experienced rejection when proposing 'Chicken Soup for The Soul”. Friends of Thomas Alfa Edison laughed at him when he proposed the electric lamp. Scientist mocked Albert Einstein when he proposed the theory of relativity. Dou Wead experienced so many rejections when he was doing his networking business, but there will be no Mercy Corps, if he did not dare to fail. For them, rejection is too small, comparing what they will realize – their dream their future.

So, the biggest enemy is not those who reject you. The biggest enemy is your fear of failure – fear of rejection. Don't let it close your heart and make you not take the opportunity. Dare to fail and take the opportunity. Make decision to take opportunity and overcome your fear, you will learn a lot from it.[]

Read other info of career and human resource development at http://www.e-jobz.com