The success and prosperity of its value varies for each person. Maybe there are people who are quite satisfied with his situation, as long as he could still meet the needs of everyday life, and send their children to the college. But there are also people who have made achievements in his life, still feel not satisfied with its prosperity, and continually strive to achieve more.
Well, for those circles in the middle classes, that's middle class. That they, perhaps including you, who have been able to meet the needs of everyday life, and dreaming of the best education for children, and a holiday every year. The average person wants to achieve this middle-class status, no matter how much income. Not infrequently, they only satisfy his worldly needs only to be regarded merely capable. In fact, there are many other needs that might arise unexpectedly.
Indeed, there are no official standards regarding the ability of these middle-class family. However, James W. McWhinney, financial writer at a number of sites and business magazine, says there are at least six financial aspirations could hold onto in setting a middle-class family. You want to know if you already achieved?
1. Having your own home
Having a home, it means you have bought a house with your own income, whether in cash or in installments. Currently, middle-class housing in cities like the capital buffer Tangerang, Bekasi, or Depok, offers a simple house from $ 300 million. In other big cities such as Surabaya, it costs not much different. The bigger the fund, usually people tend to choose housing closer to the capital area. Well, that previously you only rented house, then managed to buy their own home, which means that you have made certain achievements and prosperity.
2. Having a private car
Having own vehicle would offer freedom in the set when you have to travel, or at least starting to work. Luxuries on offer included in overcoming the limited public transportation schedules (eg commuter rail), to protect themselves from the rain, and avoiding crowded spaces with other passengers (of course, business traffic will not be discussed here). Like a house, car prices also vary depending on brand and capacity of his car. For young families, has a low class car MPV (capacity 1000-1300CC) and medium MPV (1600-1800cc), could be a parameter. Do not forget, the ability to provide fuel are also taken into account. It's useless if there is no gasoline car, right?
3. Education to college for kids
Helping children get proper education is also a primary goal of middle-class family. You know, the cost of education is currently so expensive. When to go to play groups have already cost tens of million dollars, how much it cost to go to college someday? Options school or university ultimately determined by the state-owned fund family. Therefore many young families who are now investing to insurance education.
4. Security retirement
Everyone would want to retire and continue living with feasible. Pension indicate success and awards after the hard work done over the years. Everyone will want to have some property that can be passed on to children and grandchildren after he retires. How much "legacy" is, of course depending on what you've invested as long as you are still productive work.
5. Having a health care
The ability to get health care is another important destination for middle-class family. As well as education, health care costs now higher. Drugs, therapy or other treatments that must be followed when a family member suffering from severe illness, would be met. It's no secret that many families become involved in debt because they have to finance the cost of care to hundreds as well. To prevent this from happening, many young families are now taking an investment such as health insurance.
6. Holiday family
Able to plan a family vacation every year at this time also became the benchmark middle-class families. Indicates that a family vacation quite able to distance themselves a break from work, and focuses to please themselves and their families. Again, the choice of destination show different abilities. The further purpose berliburnya, the more prosperous the culprit. Create special savings for a family vacation is also an achievement in itself, you know.
How to achieve this middle-class status?
Achieve or maintain a middle-class lifestyle is definitely a challenge, but there are proactive steps to help realize this dream come true. In addition to many families now rely on savings from the two-income, budgeting is also an important agenda. Understand how you spend money every month can help you determine the exact composition of the standard you want to adjust.
The next important step is to create a plan. Does the child will enter public school or private school? Should get a scholarship?
Looking for jobs, open businesses, or invest, also become another way to help achieve this lifestyle. Even the well-being of family often caused investments made over the years. Even if you do not intend to take advantage of these investments to increase current income, fixed investment is important because it can force you to save money.
