In fact, the ability to think creatively is basically possessed by everyone. Creative thinking is the ability to create new and original ideas. Even people who feel unable to create new ideas can actually think creatively, provided they are trained. For this reason, we need to know in advance about ways of thinking and creative
Creativity refers to abilities that mark the characteristics of a creative. Guilford further stated two ways of thinking, namely convergent and divergent thinking. Convergent thinking is an individual way of thinking about something with the view that there is only one correct answer. While divergent thinking is the ability of individuals who are looking for
Guilford put forward several important factors which are aspects of the ability to think creatively, namely: The ability to generate lots of ideas that come out of thinking quickly. In the smooth thinking that needs to be determined is quantity not quality. You can get Print Monthly Calendar 2021 Template for Saving the Time for
Difficulty in arranging monthly salaries, not only experienced by a few people. Many modern societies today, or maybe you have difficulty in managing the salary every month that you receive. Not infrequently instead, you often run out of money before the middle of the month. This could be because you don’t manage your salary well.
When getting a salary, the first thing you do is pay all your bills upfront. From the start of electricity bills, telephone, installments, and so forth. This is important, so as not to interfere with the cost of your daily needs. Separating or paying in advance will certainly make you more calm to manage other monthly
Make two different bank accounts. Use one account for your daily needs such as, receiving a salary, paying bills, and shopping. And for other accounts, you can use specifically to save. Make a minimum amount of what percentage you should save from your monthly salary. Do it like an obligation that you must fulfill every
This is different from saving if you save you can take it at any time. In investment, money that you save in other forms and you can not take whenever you want. This method not only keeps your money in place, but it can also benefit you in the future. Just download 2021 Monthly Calendar
Humans are basically the same. But, why anyone can be a successful person. While there are also people who always feel difficulties throughout their lives. It is because a successful person uses the time wisely. You can use 2021 Desk Calendar Template Yearly for Time Saving.
This is not easy because wants and needs are the opposite. Desires are never-ending, while needs must be met. Often the failure of people in managing personal finances is because they prioritize wants rather than needs. As a result, the money used can be greater than owned. Famous investors from the United States, Warren Buffett,
So what are you waiting for? Immediately press the expenditure as small as possible. Spend the money according to what’s left after saving, for the sake of a better life. The next main principle in managing personal finances is related to the ability to think long ahead. Someone is required in order to make plans