financing67

Make a budget: It is important that you have defined what you have emergency expenses to make each month. For example, your monthly income
50% Family and personal expenses
30% Payment of debts and commitments
15% Savings
5% Fun
As you decrease your debt, you can increase your spending on family, savings and fun, but first you have a good financial balance.
POINTS ALL YOUR EXPENSES: Learn how to manage a small agenda where you point your expenses, you'll notice there is that you as the money goes. Sometimes a simple cream or mid-morning snack every day may seem insignificant, but each month are significant if it accounts, buy a sweet day, it costs you $ 3 in a month of 30 days are $ 90 to spend and a year $ 1095 you could have in your savings account.
We do not want to say here that not deprive yourself of the good things of life, but every time you open your wallet, consider whether the expenditure going to make it really worthwhile.
AVOID CREDIT CARDS: To the extent possible, you should keep them far away from you, have plastic money hurts you greatly when you're not giving it.
Try to pay to make ends meet all your purchases and avoid minimum payment because it will not be able to complete the debt soon, because the interests that ultimately will pay. Credit cards give you a false sense of security, so it is better to use debit cards because they have real control of your expenses.
Remember, you lend money, is money that will be returned with interest, keep in mind that banks have a business through this system, do not give you a credit line because you're a good person but because they make profits through you.
SAVE: Learn how to save between 10% and 20% of your monthly income, so you can generarte a small fund for you and your family. Is preferable to deposit your savings in fixed term accounts, which will give you a progressive interest. You also have the option of placing a portion of your savings in mutual funds but to get the facts before you have no unpleasant surprises, it is preferable to use only a percentage of your savings for this type of action.
TEN HEALTH INSURANCE: It is better to pay a good insurance to cover any eventuality to end endeudándote, buy a good family plan and use the services available, such as dental, vision, checkups, etc.

HAS SOME EXTRA MONEY: If you lack the money, tries to make some extra income that you can be useful. Maybe you have a skill you can generate income, such as training courses, selling crafts, selling items with your friends, etc.
AVOID CHARGES SURFACE: Learn to distinguish what is truly important to you. Many people borrow in unnecessary expenses such as jewelry, travel, pleasure, expensive clothes, etc without having the purchasing power to do so. As you improve your finances, you will gradually give you a few quirks, but meanwhile, do not, depending on your budget spends.
IF YOU ASK FOR CREDIT FOR SOMETHING THAT IS HELPFUL: Credits that may help you project yourself and improve yourself, for example, a credit to study a course that gives you more job opportunities for a business, buy a home and stop rent, among others, are costs to the foundation and you will improve your quality of life, therefore, no discards, but learn to be respectful of your commitments.
EVALUATE YOUR SHOPPING: When shopping offers the advantage of shopping centers, investing in things that can last long, for example, if you buy clothes, invest in a quality garment that will last you really, should not necessarily be an expensive product, there are good products but not well-known brands, that might give you a lot and above all, will last.