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Saturday, January 2, 2010
When making new year resolutions, the things that exist in our list are: start exercising, start a diet, or buying a car. Then, when his turn meresolusi our financial health? Is not finance it is equally important to health? Healthy, but an empty bank account, not feeling well right?
To begin to live the lifestyle that is more efficient (and base-rich), try to follow the new financial year resolution the following:
1. Not much shopping
Takes credit cards are compact, but the ease of use will also make you spend too much money. If you do not intend to shop, so keep your credit card at home. Also, do not be tempted by the online shopping system using a credit card. Limit it, for example, to buy a plane ticket or pay VOUCER hotel.
2. Obey budget
You need to know what your most frequently bought with your money. Is fine dining with family at the weekend? Or clothes, shoes, and bags? Or traveling every long holiday in akhri week? If you already know, it will be easier for you to limit expenditure in it. For example, traveling only 4 times a year. This schedule in the calendar at least every month to evaluate the budget, pay bills, and check if there are posts that can be reduced expenditures.
3. Pay debts
Many ways to settle the debt. One way is to pay the debt with the highest interest rate first, then the lighter. If you are able, you should not only pay the minimum payment as this will only make your debt much longer resolved.
4. Save first
You need to set aside money for savings, not saving what is left. You can open a new account created specifically to save money savings. If you have to pay an annual insurance premium, the reserve is the amount that must be paid so that you do not dither when it comes to pay later.
5. Store more
Each year, your salary will rise. Because of that, save more, too. In addition to setting aside a number of these salary increases, reduce some other expenses that are not necessary. For example, subscribe to the magazine (though you never had time to read it until they run out).
6. Prepare a retirement savings
It was still a long time, yes, but saving for retirement is a prudent action. You can choose the direct deposit system will be set aside in direct salary to the account you choose, or choose insurance products to the facility to save or invest.
7. Choose the right insurance
For example, if you have children, then the insurance can be a choice of education. If your employer does not provide reimbursement of facilities that benefit doctors, then you can get health insurance. Of course, you have to listen very well every article contained in the insurance document so as not to be disappointed later.
8. Protect your identity
What to do with your financial problems? What is clear, do not let you become a victim of identity theft. Do not carelessly give credit card number when it comes to shopping online. Make sure the site is indeed a trusted shopping. Be careful when handed a credit card or ATM card to the clerk at the places you use it. Watch your spending as well as any credit card or your bank account every month to ensure that the balance is not reduced without your knowledge.
To begin to live the lifestyle that is more efficient (and base-rich), try to follow the new financial year resolution the following:
1. Not much shopping
Takes credit cards are compact, but the ease of use will also make you spend too much money. If you do not intend to shop, so keep your credit card at home. Also, do not be tempted by the online shopping system using a credit card. Limit it, for example, to buy a plane ticket or pay VOUCER hotel.
2. Obey budget
You need to know what your most frequently bought with your money. Is fine dining with family at the weekend? Or clothes, shoes, and bags? Or traveling every long holiday in akhri week? If you already know, it will be easier for you to limit expenditure in it. For example, traveling only 4 times a year. This schedule in the calendar at least every month to evaluate the budget, pay bills, and check if there are posts that can be reduced expenditures.
3. Pay debts
Many ways to settle the debt. One way is to pay the debt with the highest interest rate first, then the lighter. If you are able, you should not only pay the minimum payment as this will only make your debt much longer resolved.
4. Save first
You need to set aside money for savings, not saving what is left. You can open a new account created specifically to save money savings. If you have to pay an annual insurance premium, the reserve is the amount that must be paid so that you do not dither when it comes to pay later.
5. Store more
Each year, your salary will rise. Because of that, save more, too. In addition to setting aside a number of these salary increases, reduce some other expenses that are not necessary. For example, subscribe to the magazine (though you never had time to read it until they run out).
6. Prepare a retirement savings
It was still a long time, yes, but saving for retirement is a prudent action. You can choose the direct deposit system will be set aside in direct salary to the account you choose, or choose insurance products to the facility to save or invest.
7. Choose the right insurance
For example, if you have children, then the insurance can be a choice of education. If your employer does not provide reimbursement of facilities that benefit doctors, then you can get health insurance. Of course, you have to listen very well every article contained in the insurance document so as not to be disappointed later.
8. Protect your identity
What to do with your financial problems? What is clear, do not let you become a victim of identity theft. Do not carelessly give credit card number when it comes to shopping online. Make sure the site is indeed a trusted shopping. Be careful when handed a credit card or ATM card to the clerk at the places you use it. Watch your spending as well as any credit card or your bank account every month to ensure that the balance is not reduced without your knowledge.
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