If you still have money, then set aside for emergencies. For those of you who worked as an employee, the company often already covers the health care. But sometimes the cost is not sufficient so that you have to cover it from the salary. You also prepared this fund for a wedding invitation, feast, sick relatives, and others. You can ask to the consulting services such as public accountants / financial accountants. Do not be tempted to use the credit cards.

A company even had to provide training to their employees who troubled by credit card debt. This training (managing finances using financial consulting services) is provided so that they are wise enough in spending their salary for consumptive goods that usually offered through credit card services. Credit card is an easy way to get you involve in debt, so if you feel that you can not control it, then close your credit card immediately.

So not only to secure the budget for today and tomorrow. With the existence of budget security for a long term then the company will be able to survive when experiencing problems or disasters that are sudden and not considered before. With a perfect planning and design, then the company will be prepared to face with various obstacles and problems, because those have been considered before.

For example, in creating a product then we have to do research first about the markets, customers, competitors, and the obstacles that may emerge so that our products can reach the right target and do not easily fall down when exposed to various pressures and constraints that arise. Today, the using of information technology in the business activities is able to facilitate and accelerate the company’s planning.

The system that is used is called Enterprise Resource Planning (ERP) which this system is doing the planning with the concept of Operational Management with an integrated application. Some of the management activities can be helped by this system such as inventory management, financial management, reporting, manufacturing management, and other activities.

Therefore adaptation of financial management becomes very important. It is useful for transisition from employee to entrepreneur running smoothly. One way that we can do is by trying to develop other revenue. Employees financial management with fixed salaries compared to entrepreneur that its income dependent on how fast their business should adjusted from earlier. Preparing other funding sources as an alternative.