5 biggest money mistakes: how to quickly fix it
it happens
a time in life when we realize that
spent a little more than we
planned, or have saved less than
would like - thus made a disastrous
financial decision. And that's just life.
But financial mistakes - like most
mistakes in life - can usually be
avoided if prudently
plan and stick to good
self-discipline. And, of course, better to
know how to behave in a situation where
nevertheless they made a mistake.
here
Some of the most common
financial mistakes that tend to
to do everything. If you can learn
stay away from them, more comfortable
is your way to a bright financial
future.
Error
№1: We do not pay attention to the balance of the account
you know
Have you much money at your current
account right now? When you have to pay
the rent or mortgage? How many do you need
money to buy food, pay for gas
and other expenses? If you answered "no"
at least one of these simple questions,
you are faced with big money
mistake - it unforgivable.
how
fix: One of the best ways to
save money - learn how you have them
spending. If you do not know how much money
you have, you can not even begin to
spend wisely and ensure that
they suddenly runs out before
come next paycheck.
Today
almost every bank has a service
online banking, access to which you
You can get anywhere and anytime
time. Make a habit of regularly
?? check your balance, and try
several programs for accounting
accounting - application or web site
such as Mint.com, to help you find out
how much you spend and what to buy
every month.
Error
№2: «Little waste"
Few
who buys a new car or TV
with a big screen just on a whim, and
so we actually commit
"Small expenses" that often
cause even more damage to the budget.
Expenses such as restaurant meals,
coffee, entertainment and other relatively
inexpensive items can usually be
to make, do not hesitate to repeatedly
within a month. And as a result - minus
a couple hundreds or thousands of accounts. Unlike
from buying a car or a large
TV, this kind of "eat" the costs
most of your balance, you're even
not notice.
how
fix: Divide your expenses for
month to see where are your
money. If you spend a lot on small
buying, look for ways to immediately
to cut these costs - for example, making
?? your own coffee or taking
a lunch to work. One of the best
Tips for saving money - it is necessary
recognize that the constant purchase of $ 10
do more damage to your budget,
than buying a $ 1000 one time.
Error
№3: High interest in the bank
If
you use a regular credit
card or services of credit institutions,
you are essentially throwing money away.
Although drawing can be part
healthy financial plan, these forms
debt is sometimes very expensive.
For example, to pay the $ 50 fee every 14
days to pay a $ 300 credit can
seem reasonable, not like this
large sum. But in fact, the bank
"Welded on" on you due to the annual
the interest rate of 435%! cash advances
and instantaneous "financial assistance" only
a passport, and so on. n. can
It is ultimately much more expensive than
other consumer loans or
credit offers. And the more you
You will take each other loans
(E.g., to extinguish previous
debt), the deeper you bury themselves in debt.
how
fix: The most expensive loans and
"Microloans" usually come into play,
when others are not available to the borrower
forms of debt - for example,
Bank does not want to give credit due
bad customer's credit history. For
In order to avoid the high percentage of
in such loans, borrowers must first
evaluate all the problems that they
lead to these loans. If you just
working and you do not have enough money at the end of
each month, then you should work
on the creation of a savings account,
and start saving. Or to seek other
embodiments, except with high credits
percent.
Error
№4: self-installation to fail
Creature
good financial decisions requires
discipline and hard work. As well as
Olympic athletes who have achieved
amazing results - you think,
they woke up in the morning and just realized
that will be able to beat a new record?
The reality is that the great athletes
setting yourself up for success by planning and
organizing their lives, in order to optimize
their training and education. Same
right for you and your finances. You do not
can just hope that you will not
I spend so much tomorrow, or soon
start investing - you need to create
an environment that makes these things
almost inevitable.
how
fix: Instead of relying
on self-discipline from case to case,
should establish rules and stick
them, making the choice of spending the next almost
automatic. For example, set aside
part of his salary immediately to another location
not to spend it, and if you are prone
an overrun, then all leave
your credit cards at home.
Error
№5: Denial
camoy
big money is not an error
action and state of mind. If you
You are spending too much, and get
too little, too much typing
debts and nothing left for the future,
- if you do not take their mistakes
as a problem, nothing will ever change.
how
fix: Your money mistakes - it
your fault. It sounds harsh, but
Actually, this should work
better, because it means that
You have the power to change these
things. Take a look at your finances
position and choose how things will
behave. If you do not like, change
all! Mistakes are a part of our lives,
and the most successful people - those who
He admits his mistakes and learns from them.
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