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Sabtu, 10 Maret 2012

59 Tips on personal finance


  1. Always make sure you know how much money is there in your bank.
  2. Distinguish between needs and wants and learn to prioritize your needs.
  3. In order to control your finance first understand where you are.
  4. Stick to a frugal budget - Eliminate stuff that you can do without./li>.
  5. You only have to do a very few things right in your life so long as you don't do too many things wrong.
  6. We can tell our values by looking at our check book stubs.
  7. Practice thriftiness before preaching...know more.
  8. Prioritize expenses to tackle your personal budgeting problems.
  9. Opting for online documents can help you monitor your accounts regularly as well as save environment.
  10. Pay yourself first.
  11. Always read the "fine print" section of the contract minutely.
  12. Always borrow money from a pessimist; he doesn't expect to be paid back.
  13. Try to make your home appliances last longer so that you can avoid buying big-ticket items frequently.
  14. Use cash to purchase things instead of swapping your credit cards unnecessarily every time.
  15. Once you get an accurate picture of your personal finances, you should figure out your short and long term goals.
  16. Do not use too many credit cards.
  17. Build an emergency cushion on which you can fall back as the credit downgrade will push up the interest rates on loans.
  18. Visit multiple stores to get the best deals.
  19. Live within your budget so that you can manage your expenses and save a considerable amount.
  20. Check out any leakage that may have been caused within your car pipes.
  21. Understand the importance of money and spend it only when needed.
  22. Get paid what you're worth and spend less than you earn.
  23. Learn self control to establish solid financial footing.
  24. It is not necessary to have common financial goals in a marital relation, but both should work together to achieve them.
  25. Making payments on time can save you from a major financial crisis.
  26. Know where your money goes.
  27. Use smart meters to monitor your electricity usage.
  28. Get help of unemployment benefits when you are unemployed.
  29. Use an online spreadsheet to plan a suitable budget.
  30. Take full advantage of Thanksgiving sale! Buy items at a relatively cheaper price!
  31. Update your will.
  32. Try to use the Internet to the optimum, when using an unlimited plan.
  33. Get advice from trusted sources to decide which loan option will be best suited for you.
  34. Avoid financial blues by increasing the flow of your income.
  35. Do Christmas shopping year-round.
  36. Book a hotel room with a kitchen.
  37. Make extra money this holiday to stay within your budget.
  38. Don't see a budget as being about what you can't have, but instead, working out what you can afford.
  39. When you receive a windfall - a raise or a tax refund, you should contribute it towards the retirement savings accounts.
  40. Be aware of your bank balance and avoid over draft fees.
  41. Avoid buying a new car when you have one already.
  42. Grow your own food.
  43. Procrastination is the enemy of your financial success.
  44. Make your own Christmas cards, not only will it add a personal touch, it will also help you to save money.
  45. Ignore all offers that sound t?? good to be true.
  46. Before you buy something new, sell something old.
  47. A little risk is good, too much risk is foolishness.
  48. Prevention is better than cure even in personal finance.
  49. Take advantage of federal student aid to lower your child's education cost.
  50. Have regular "financial" family meetings.
  51. If you have dependents, get disability/life insurance, a will and an estate plan!
  52. Practice the habit of buying things in bulk so as to manage money efficiently.
  53. Keep distance from lavish and high-roller friends.
  54. Before getting married, open your communications regarding money.
  55. Learn self control.
  56. Be up front with your children regarding your financial situation when you’re a single parent.
  57. Take advantage of alternative work schedules such as flextime and telecommuting when you’re a single parent.
  58. Pursue tax breaks and qualify for the child-care tax credit as a working parent.
  59. Take advantage of financial grants available to a single parent.

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