Many people are thinking of putting a padlock the wallet as a good solution, but a better idea is to plan finances, and that saving is easier when you have clear goals.
Here we show 5 guidelines to sort our finances and thus have control of the money:
If you see the money, do not be surprised
It is important that this case be allocated between the 5% or 10% of your monthly income to a savings account. To do this, monitor your expenses so you can ignore this sum and thus forget that it is part of your monthly budget. Continue reading
If you are thinking of asking for a mortgage loan, you should take into account some extra expenses that must take. Experts recommend having at least 3% of the property value, either to spend on paperwork, and notarial records.
The formalities of the notice must be made before disbursing the loan money will help put the house in your name. After you have paid off the loan the bank is recommended to come to the Bank and request a bill of rising mortgage, this procedure is very important to do because you will not have trouble selling the property. Continue reading
As if a transatlantic ship, constantly need to review and maintain the course from the time of opening and across all stages of company growth.
Precisely for this reason, today share these 7 key investments that every entrepreneur should do to take their business to success.
Invest in training for yourself
One of the most important characteristics of a good entrepreneur is to know the business and for that you must train you. There are many important issues that must manage to develop your business such as: management, accounting and finance, e-commerce, sales and others. Make sure you are always investing a percentage of your profits in better prepared and of course, this also applies to staff in all areas. Continue reading
The main recommendations for people, who want to improve their personal finances, always start out a review of their expenditure to identify unnecessary expenses.
In practice, this is the most difficult to control, it is very easy to get sidetracked and fall into temptations that make us acquire goods or items that were not looking or just that we do not need.
Today marketing strategies and sales of businesses have evolved and have become increasingly sophisticated, so have managed to understand the psychology of consumers to encourage us to buy their products. All of these strategies, but are not necessarily negative, tend to lead people to purchase goods that were not initially looking for. Continue reading
Usually when we received an extraordinary income or bond, as the utilities, the great concern of many is to find ways to make the most of it, not waste it. This concern is even greater when one lives in an economy marked by uncertainty and with high levels of inflation, which makes the money to lose their value quickly.
Given this scenario, you must be more disciplined in relation to your expenses, think fast and make smart purchases. The main rule you should follow is to avoid unnecessary expenses.
Upon receipt of the profits, many people already have committed this income commitment that was acquired during the year. This is not necessarily bad, especially if you managed to acquire assets, productive assets or necessary expenses. Continue reading
Today, there are many people who work and look forward to the end of the month to collect their salaries, as the expenses were emerging from the reality, which is why it is necessary to make a personal budget and thus does not have this type of problems.
In this case there must be a record, which may be a notebook or a page in Excel. You should be aware that the budget is not rushed. You have to take a few minutes to think about what you’re going to record. For that you will need to know that your family budget will have two large fields (income and expenses).
In that budget should record all money received from any source and how often it arrives, so you must specify in your registration form if it is fixed or variable income. Continue reading
The first time you took out a payday loan, you were likely strapped for cash. These small loans can be a godsend to people in need of some breathing room, but they can quickly spiral out of control when borrowers fail to pay them back promptly. Use these five tips to avoid falling into the all-too-common payday loan trap:
Know How Much You’re Actually Paying
Emergencies happen, and if you need money to survive, a payday loan is the right choice if your home, health, or family is at risk. However, it should be your choice of last resort. Try selling assets like secondary vehicles, electronics, or jewelry to raise funds first. Continue reading
Today, many people who turn to credit to fund monthly expenses at least once a year. The positive record in previous financing generates a history attraction for users, so know our profile and ability to pay is crucial when approaching financial institutions if we want to have good credit.
Before that, we must know that there are 2 profiles of the applicant to request a credit: who has a track record, and who is coming for the first time to a bank or a finance, but in both cases there are tips that can be applied for approval the loan.
When a user goes to a bank or financial to apply for a loan and has several credit the chances of that are given a new financing can decrease. Continue reading
Today, we see the increasing in granting credits to the people, coupled with the over-exploitation of real estate in major cities, have been crucial to begin to suspect any financial bubble that come to disrupt the family economy and staff.
We have been experiencing particular financial behavior, has been framed by a strong tendency to consumption and spending, mainly reflecting an increase in demand, not forgetting the strong trend of spending on recreation and leisure activities. Continue reading
If you have piled up excessive debt and you have never paid heed to repay them on time, then this might have hurt your credit for sure. However, if you want, you may consolidate your debts with the help of bad credit loans. You will have to find out how much debt you actually owe and then plan according to that for paying it off. When you will get rid of all the debts, you may be able to rebuild your credit score with time.
4 Steps to consolidate debt with bad credit loan
You can consolidate debts with bad credit loan. Check out 4 steps as to how this is actually possible. Continue reading