Financial arrangements post-resign

A new business name, it's natural course within the first few months have not yielded adequate results. But, if you want to go back to work, I think online businesses can still be carried out while working. Do you need to return to work in an office depends again on your main goal resign earlier. Is your goal to pregnancy programs would be affected if working again? Or which is more important, whether the pregnancy or to balance running the program again cashflow? Talk back this with your husband, and do not forget to also consult with your doctor.



How much should be saved for children's education depends on the plan for your child's future education. For children age zero years, SD entry fee will be approximately 2 times the cost of SD now. For the junior 4-fold, SMA 6-fold, and lecture 8-fold, from the cost today. Obviously the cost will depend on which school you choose for the child. If you already have a clear educational plan, you can take the numbers above to insurance agents, bankers, or investment consultant to calculated how much to save each month and a choice of investment products.

For money services, in principle, all income shall be deducted if it is eligible charity. For income zakat, which is already haul (held for one year), with the minimum amount of 85 grams worth of gold. Some scholars argue for a direct pay zakat revenue when received, need not be owned by one year. However, considering the minimum amount for a year.

In your case, should be USD 65 million was paid zakat in advance to be more calm. What I do not recommend is that this money be used to cover the shortage of husband's income, but without telling her husband. Because if not told, but still covered his shortcomings, then perhaps the husband does not feel there is a problem and feel the family's financial condition was fine. Finally, savings long gone, and no long-term solution.

Savings and time deposits are bank products in which you will receive the results every month. The difference, savings can be taken at any time, while the deposit can only be taken within the periods set in the beginning.

Sukuk are bonds in which if we had a Sukuk Retail Republic of Indonesia (Sukri) means that the country has a debt to us. In return, we will accept the results of each month, and debt principal is returned at maturity. Sukri durations ranging from 3-4 years. Sukri was issued by the government at any time, so not all the time available.

With regard to your condition now, so I suggest that Ms. create financial goals and determine which is more priority. For example: children's education fund, the hajj / umrah, pensions, resolve cashflow problems, pregnancy program. If the goal is clear, then the step taken was to be more focused. For example, the priority is a course of pregnancy, and then resolve cashflow problems. Then the available funds be prioritized to fund children's education and pilgrimage for example.

Then the goal. So the steps you need to do is to keep working while at home. Then, talk to your husband to set back spending to balance with the husband's income.

For while reducing spending may be somewhat difficult, for example, can be done gradually over the next 3-4 months. During that time, the lack of income derived from savings you have. The remaining funds that you have can be invested to fund children's education or for Hajj / Umrah. Although you want to keep funding it for yourself, it's your right. But the husband should remain informed about the purpose of investment you choose.

So what I recommend for now. If there are other things that need to be discussed, please contact us back further.