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Dołączył: 18 Maj 2011
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 Wysłany: Pią 5:17, 27 Maj 2011 Temat postu: Ed Hardy Sale3Take Control Of Your Finances |
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r the past year it has become more and more important for households to take control of their finances, and as most people who do the household accounts will know this can be a difficult task given that the cost of living, bills, and various other outgoings have rocketed in this period of time. However, there is always room for improvement when it comes to streamlining our finances [link widoczny dla zalogowanych], as most of us are guilty of either mis-managing our finances in one way or another or wasting money on things that we do not really need.
One thing that you should do when getting your finances into to shape is make a list of all of your income and all of your outgoings. As you compile the list you will almost certainly come across things that you can either cut back on the cost of or cancel altogether. Many of us are paying for subscriptions or services that we no longer really need or use, and by cancelling these we can make savings right away. You can then put the money to far better use.
Also, try allocating yourself a set amount of money each month for things like going out, buying clothes, and entertainment. If you simply spend what you want when you want you will quickly find yourself losing control of your finances. However, by setting a budget with regards to this type of expenditure you can adopt the attitude 'once it's gone it's gone' but you will have to exercise determination and ensure that once you have spent your allowance you do not dip into your savings and take some more out.
When it comes to shopping try and find cheaper alternatives wherever possible. For example, if you tend to do your shopping at more expensive supermarkets such as M&S switch to a cheaper supermarket such as Asda [link widoczny dla zalogowanych], as you will be able to save a considerable amount of money in some cases [link widoczny dla zalogowanych], often without compromising on quality or taste. Also, with clothes shopping forget about getting the latest gear and gadgets as soon as they hit the shelves just buy what you actually need and don't spend extra money simply to keep up with your friends.
Reviewing your finances on a regular basis is an important part of good financial management, and you should make a comprehensive list of your income and outgoings, which you should refer to on a regular basis to ensure that it is up to date. If there are any changes in terms of your income or outgoings, make sure that you log this down so that you are always aware of what is going into your account and what is coming out of your account each month.
Finally if you have any spare cash that is not allocated elsewhere each month resist the temptation to head off to the shops and blow it on something that you do not even need. Transfer it into your savings account where it can earn interest, and you will then have some money put aside to help in the event of an emergency.
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