Money is very important, does not ensure a happy life, but it is important to purchase supplies that will make life happier. It can not buy friendship, but it will help you to buy things for his friends.
2008 was a turning point in most of our lives. It was in this year that the world economy is the financial downturn. In light of the impact of the global financial crisis that is not fully stabilized yet, it is important to manage our finances wisely.
Managing money is not as easy as it sounds. It requires much discipline and dedication. It is always easy to talk about doing something than actually doing it. You must decide to commit and put in financial management. Do not want to live life debt free?
How to manage your money?
Here are some tips that will help guide how to manage your money:
• avoid or get rid of credit cards. They not only put you in debt, but to encourage a lot of unfair aktivnosti.Kreditne card lures to buy lots of things on the internet.
• avoid or get rid of credit cards. They not only put you in debt, but to encourage a lot of unfair aktivnosti.Kreditne card lures to buy lots of things on the internet.
...• pay off all debts. If you can not pay all at once, to pay off your debts gradually. When you receive your salary, you agree to allocate a percentage of debts until they are all paid off and try not to get into more debt.
...• Do not loan, when you take a loan you will also have to pay additional interest. If you eventually pay for the item in cash.
...• Look for sales, discounts, bargains, specials.
• Have a savings plan and set aside a percentage of monthly, weekly or biweekly (depending on when you get to pay ).
• Have a savings plan and set aside a percentage of monthly, weekly or biweekly (depending on when you get to pay ).
...• 4Rs can be used in almost anything. Reduce, reuse, recycle and repair.
...-. Reduce the amount you wish to spend their money buying and focus on your needs
...- Replacing items such as clothing and footwear in particular those that could handle more than once in different events. You do not need a new outfit for every occasion.
-. Repair of the damaged items
...-. Repair of the damaged items
...• Make proračun.Proračun "is a financial plan and guide for sending and organized store." Knowing how to budget, then determine the right pattern of money management will enable you to make ends meet. Before you buy, the buyer should ask: Do we need it? Can I do without him? Can I afford it?
...budget does not capture how to spend every penny, it means that we will be able to manage their money, we better adapt to circumstances change plans and agree on the SMART (simple, measurable, attainable, realistic ipravodobno) plans for spending and saving .
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