Many people face problems to take care of your own money. Some go into debt, familiar with other people can’t add money to make personal purchases (such as exchange of car, House, cell phone, among others) and others never know how to make a future planning with the money. The salary comes in and there’s nothing left. This is the reality of many Brazilians.
The resources (credit card, squelches and the like) that exist, which would be to facilitate consumption, end up turning into a headache. It is necessary to learn how to consume and also to manage his own money. Many people do not understand absolutely nothing when they hear financial advisers talking about it, because many insist on speaking vocabularies that nobody understands.
To try to help in this matter, we have created some steps in language easy for you to start putting your money in order. So get up and follow the financial tips Digital Woman Site.
1-Control of Your Financial Budget. What is this? Roughly speaking, establish a budget with the inputs and outputs of your money, that is, calculate what you earn least their essential expenses (house bills, food, education, loans that have already been made, payments of expenses that can’t be avoided), trying to keep the same pattern of spending and avoid your money exits with superfluous expenditure and new financing. This includes keeping an eye on what is charged by your bank.
2-Put Your Debts in Order and Does not Produce any More Debt. Financing, credit card payments, overdraft, any good. Look for reset with all this! Remember that you have to be there in control of your budget as expenses that you cannot fail to meet. Be strict with you! Don’t fall into the temptation to create new expenditure.
3-Create and Try to Maintain a Savings Account. Create a saving is easier to maintain. To be able to join a trust, establish a monthly amount of money will be deposited in your savings and forget that there is this money. Be firm! Use only in cases (such as health, for example). Do not use old and new debts to pay. Remember that the essential payments have already been placed in control of your budget! If there’s never enough money to put in savings! You have a bigger problem.
4-Create Future Plans for Your Money. The plans can be many. It’s that old dream of renovating the house, change the car, make that wonderful trip, buy a house, buy a playstation, buy a car, furnish/decorate the house, buy computer/notebook. The dream is yours! The important thing is to make a future plan and try to think of it paying cash or with the largest entry possible (therefore, with the lowest financing). Forget the idea to realize their dreams through performances. Your dreams can turn into nightmares. Nothing more comfortable to pay for what they want from smoothly and not have to think about the benefits of his “dream”.
5-Stop for a While the Installments Payments on the Credit Card and/or Check! Just pay on the credit card/check what you can pay off in full form, without benefits and without compromising your savings. It makes you learn to control your budget and don’t spend more than you can. If you can’t pay in full why compromise your budget, don’t buy! Remember that essential expenses (such as supermarket, education, among others) are already reported in your budget and you don’t have to create another account with that!
6 – Avoid Buying Superfluous Things. Do not buy what is not needed and stop thinking that you need everything that exists! This also applies to the budget of the house, supermarket. Candy, chocolates, CD’s, DVD’s, clothes/sneakers more than those who already have tickets for shows, car parts (car tuning), perfumes, alcohol (It spends a bit!), electronics (cell phones, for example). Hold on and try not to give in to all your wishes. If you give in to all your wishes, you may never achieve your dreams with ease.
7-Prive- If the Extravagant and Opt for Less! Less is more! Leave aside for a time the party guys, exorbitantly priced restaurants, overt luxury spending with (clothes, perfume, shoes, travel, etc), price expensive food and drinks. It’s okay that you like that expensive wine, but you can choose another product of good quality for reasonable price. That goes for everything. Instead buy that expensive, purchase Swiss chocolate a national option cheaper. Lets go to expensive restaurants and chic in commemorative dates (birthday, dating), for example. Get a “movie”, for example, but it doesn’t have to be every weekend! Nobody’s telling you no longer have social life, but opting for cheaper alternatives financially and perhaps simpler socio-cultural level.
8-Do Price Research! If you need to buy a certain product, browse do price research in several places. Do not buy in the first place that gives you only a small discount, you can get more. And not search just in places that, in general, is more expensive, such as shopping malls, for example. That goes also for grocery shopping. With it, you can download and supermarket spending money left to put in savings, pay off other debts, among other things.
9 – Be Strict in Your Financial Plan and Have Willpower. Don’t be discouraged and rogue in time to take care of financial expenditures. Are you kidding who, yielding to their own whims. Just yourself! And if you stay in this way “slacker” to take care of your spending, you will never have large assets and will always live with the “hell of debt”. Be stubborn, struggling and, above all, happy. It’s not that “put the house in order” with unhappiness. Always look on the bright side of everything! That helps a lot.
10-Reward Yourself Sometimes. After so much hard work, put your budget under control and have their debts in order, you can buy anything you want and/or really wanted to, but always follow the other tips above. Have common sense! Take some time to learn how to manage his own money. Don’t lose focus your goals! If reward is important so that the financial control does not become dull, but this cannot become a habit. And when other people want your money?
Gain control of your own financial life. It helps to be happy, to achieve several objectives of life and conquer many dreams. Move, control, not fall into temptation. Manage their own money and take control of your life. Saving money is part of a personal financial management.
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