Sunday 19 May 2013
1. Expenses by the willLargest source of personal debt is an expenditure in excess of the things you need. Do
not go shopping when you're feeling bored at home, because you will buy
things that you do not actually need / you rarely use. If you have a tendency to always follow your heart, try to make a thorough plan to goodswho did you have to buy and the items you need to avoid. If you really want something, you can come back another day - in essence be patient when shopping.
2. Techniques tempted by the SellerLarge companies tried many tricks to persuade us to buy stuff we do not really need. Yes, that's marketing. For example, do not be tempted by items that are discounted up to 70%, not because the item is being sale then you think the price is a very good price and you need to buy it. Do not be tempted bybuy 2 get 1 free promotion; instead look at the goods that you have today, begin to count how many of the items that you rarely use. If you feel uncomfortable by the behavior of the salesmen, go away immediately - If you really want the item, you can come again sometime.
3. Never Checking price CheaperFor certain items such as insurance or mortgage for example, perusahanperusahaan take advantage of customer loyalty by providing a high price. Consumer reluctance to switch to another company is in English called customer inertia. For example, people thinktoo much red tape that they had to pass if you want to move the mortgage. And if they want to go through the process, which is moving to another mortgage company that is cheaper, they would save a considerable amount of money. I took a parable: if you go shopping, would you buy an item that actually has a quality that is not much different, but it has 20% more expensive price?
4. Do not Have Plans In SavingsIt's true that in the 20s it difficult for you to save, because usually you have been freed from the responsibility of parents and your income is spent on daily necessities of life. You can only start saving once you are earning enough perceived. But if that time comes, you discover that you are the age of the 50s with no savings at all.Saving money requires an attitude of self-compulsion. If you are forced to save from an early age even though the amount is not too large, over time it will become a habit, and you will be more productive later. Your financial condition is guaranteed and will be much better in the future. Force of at least 10% of your income aside for savings.
5. Making Wealth For Life GoalsMany millionaires who have never been satisfied nature. They always want more and more. The most painful thing they are if they have to spend their money. Money and wealth is not a bad thing, but they would be like that if we love him more than anything in life. Life is not just about raising money, you need to maintain a balance between money and aspects of your life to another.
6. Leaving Money Ruin FriendshipA big mistake if you rely on your friends to solve financial problems you face, especially if you make it a habit. Many cases friendships are ruined just because of money problems. Do nodai friendships you have built painstakingly by borrowing money matters.
7. Do not Have Your Notes to FinancialMany people do not know how much money they spend or have their debts; realize is that they empty their wallets at the end of the month. It is better if you start to record your expenses so that you can better control the posts againwhich need to be saved. Good financial condition begins to realize your current financial condition.
8. Obtain Adverse Credit RatingLate in repaying the loan to the bank will make you exposed to interest and penalties, but in fact the main problem is the more you will be exposed to a detrimental impact on your credit rating (credit rating). As a result you will be more difficult to obtain credit in the future and thisvery expensive, because it involves your good name.I have a colleague who has been blacklisted by one bank credit card providers. He is currently applying for credit difficulties pemilikian (mortgage) to any bank. Why did this happen? The banks have a strong network with one another, so if you are blacklisted by one bank, then your name will spread to other banks. Avoid late paying credit moreover do not pay at all. If you do experience difficulties, try to come right to the banks concerned to discuss your financial problems.
9. Borrowing Money With A High InterestIf you are forced to borrow money from financial institutions, make sure that you have obtained the best interest or low. Avoid borrowing money with interest over 17%, much less than credit card loans. Okay, hopefully the above tips useful for your finances.
2. Techniques tempted by the SellerLarge companies tried many tricks to persuade us to buy stuff we do not really need. Yes, that's marketing. For example, do not be tempted by items that are discounted up to 70%, not because the item is being sale then you think the price is a very good price and you need to buy it. Do not be tempted bybuy 2 get 1 free promotion; instead look at the goods that you have today, begin to count how many of the items that you rarely use. If you feel uncomfortable by the behavior of the salesmen, go away immediately - If you really want the item, you can come again sometime.
3. Never Checking price CheaperFor certain items such as insurance or mortgage for example, perusahanperusahaan take advantage of customer loyalty by providing a high price. Consumer reluctance to switch to another company is in English called customer inertia. For example, people thinktoo much red tape that they had to pass if you want to move the mortgage. And if they want to go through the process, which is moving to another mortgage company that is cheaper, they would save a considerable amount of money. I took a parable: if you go shopping, would you buy an item that actually has a quality that is not much different, but it has 20% more expensive price?
4. Do not Have Plans In SavingsIt's true that in the 20s it difficult for you to save, because usually you have been freed from the responsibility of parents and your income is spent on daily necessities of life. You can only start saving once you are earning enough perceived. But if that time comes, you discover that you are the age of the 50s with no savings at all.Saving money requires an attitude of self-compulsion. If you are forced to save from an early age even though the amount is not too large, over time it will become a habit, and you will be more productive later. Your financial condition is guaranteed and will be much better in the future. Force of at least 10% of your income aside for savings.
5. Making Wealth For Life GoalsMany millionaires who have never been satisfied nature. They always want more and more. The most painful thing they are if they have to spend their money. Money and wealth is not a bad thing, but they would be like that if we love him more than anything in life. Life is not just about raising money, you need to maintain a balance between money and aspects of your life to another.
6. Leaving Money Ruin FriendshipA big mistake if you rely on your friends to solve financial problems you face, especially if you make it a habit. Many cases friendships are ruined just because of money problems. Do nodai friendships you have built painstakingly by borrowing money matters.
7. Do not Have Your Notes to FinancialMany people do not know how much money they spend or have their debts; realize is that they empty their wallets at the end of the month. It is better if you start to record your expenses so that you can better control the posts againwhich need to be saved. Good financial condition begins to realize your current financial condition.
8. Obtain Adverse Credit RatingLate in repaying the loan to the bank will make you exposed to interest and penalties, but in fact the main problem is the more you will be exposed to a detrimental impact on your credit rating (credit rating). As a result you will be more difficult to obtain credit in the future and thisvery expensive, because it involves your good name.I have a colleague who has been blacklisted by one bank credit card providers. He is currently applying for credit difficulties pemilikian (mortgage) to any bank. Why did this happen? The banks have a strong network with one another, so if you are blacklisted by one bank, then your name will spread to other banks. Avoid late paying credit moreover do not pay at all. If you do experience difficulties, try to come right to the banks concerned to discuss your financial problems.
9. Borrowing Money With A High InterestIf you are forced to borrow money from financial institutions, make sure that you have obtained the best interest or low. Avoid borrowing money with interest over 17%, much less than credit card loans. Okay, hopefully the above tips useful for your finances.
