Meant to prepare for the education fund would be established an expenditure budget contains a number of funds to be deposited regularly into an education savings accounts or education insurance or other investment products within a certain time period, so as to use the funds already available.

Prior to the termination of employment, you should have a reserve fund for at least a monthly budget for the next 6 months. The funds are actually used only for daily needs (food, transportation, paying bills, and so on) for 6 months. Consideration, the period of 6 months is a pretty safe, you may need to find a new job and go back to get regular monthly income.

For that, the money you get severance pay, set aside funds for 6 months earlier to your savings account. The rest can be invested in investment instruments that are medium to long term, such as ORI, stocks, or mutual funds (types of fixed income, mixed, or shares). If you already take into account expenses carefully, but was still short, so try to find other revenue enhancements. Looking for extra income does not mean having to return to work as a fulltime employee. Because there are many ways you can do to get extra income for the family, among others:

1. You still can work again but not necessarily full-time as regular employees. But you can take a job that can be done part-time or time flexible, for example, becomes an insurance sales agent or real estate broker.

2. If you have a skill that can be sold, then use all these skills so they can generate income for you. Your hobbies cooking flower arranging expert, skilled sewing, mastering a foreign language. Find out the ways how you can offer these skills to people in need. And how people want to pay to use your services.

3. Her own business at home such as rice kiosks, selling clothing, grocery shop, selling baby equipment, and others. Consider also to join the multi-level marketing, if you have experience in opening your business and a small capital.

4. Do not forget to invest. Advantage of interest savings or deposit is worthy of your income into account as additional income.

Unless your husband’s income was much higher than the previous salary, setting your budget is more difficult now. Imagine, the same amount of income, but expenses multiplied (the cost of two houses, transportation, and communications). For his maneuver, of course, required sacrifice from all parties. Lack of income is always a major problem the family’s financial problem. The average person thinks that a large income is the answer for all the family’s financial problems. The problem is that not everyone is lucky to have a large income and not necessarily also those who have large incomes do not have financial problems.

You should therefore cooperate with the husband to make a family financial plan that aims to husband’s income could only provide for the family monthly current, but also one can always set aside for future savings. You can try to get additional revenue, such as starting a business or a business at home, to offset family expenses soaring. Also you need to sacrifice others, such as reducing the frequency of back and forth from your town to town husband for a while, to cut the transportation budget. If additional revenue is not possible, consider getting together again, you and the kids who relocate with their husbands or your husbands who seek a job in your city.