Spring Finance

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Spring - the perfect time to make up your financial affairs. After all, in front of so much of any cost: the May holidays, vacation ... How to organize your budget so as to cope with all the expenses? Spring - the best time to plan their cash flows.

After all, there is still almost a year, you can have time to calculate their costs so that enough money for everything. In addition, after the winter sales your budget may be exhausted, and it's time to think about the possible ways to save (after the summer sell-off is not far away).

So, in order to tidy up your finances, consider the following tips:

1. Make a list of expenses. If you have not done - it is now a good time to do it. Without this tool to plan the family budget is very problematic. Take a sheet of paper and write down all the costs that you face every month.

Include in this list the rent, operating costs, the cost of products for the maintenance of the house, etc. - All that you spend money on a regular basis. Then write down all your sources of income and assets (bank accounts, investments, etc.)

This will help you when you need to quickly figure out where to get the money to cover any unexpected expenses.

2. Look for ways to save money. Whenever you get a bill for any services (such as cleaning, laundry, etc.), conduct rapid analysis of where you can get the same service, but cheaper.

Experience shows that there are ways to save almost always. Look for firms that perform similar services, the Internet, free newspapers. Take it 10-15 minutes of your time. If successful, you can save solidly.

3. Plan your budget. Write down how much money you get each month and how much you spend. Be honest with yourself about how much you spend.

If you are unsure of your memory - collect checks, and at the end of the month to sum up. Analyze how much money you have left, and where you might put them.

If you notice that your expenses exceed income - pay attention to your costs and think about which of them could be cut. For example, you've been going to quit. Think how much money you can save each month on cigarettes - is not an extra motivation?

4. Use a calendar. Celebrate it important dates (birthdays, holidays), which will require considerable investment. Also notes the days when you need to carry out certain payments (for example, the deadline for payments for cable TV or the Internet).

Every day through your calendar - it will help you prepare in advance and plan costs.

5.Gotovtes in the near future. Yes, right now! After all the things that you need, you can now be bought at great discount prices. Do not hurt yourself, and keep an eye on things for the next winter season.

Then the end of the year, you will not only be fully prepared, but also save time and money.

Money Law

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Indeed, like money bill.

  But, in addition, they want to be ruled by intelligent people who know how to properly make, store, save, spend. Especially if the money - family ... Edit finances need to learn from the first days of family life.

And how? It would otherwise be extremely difficult to coordinate the upcoming expenses, future accumulation. Sometimes it happens that the money is running out of the hands and begin to control us. To this did not happen to them in the saddle, it should be thoroughly explored.

FINANCIAL SCHEME

To work with the money needed cash plan, which will set long-term financial goals. It must be very accurately determine their own promotion at par with cash. Would you and your partner to actually be rich and successful? How much money you want to earn, and for how long? How do you plan to make these same finances? And many other questions relating directly to cash.

Over each point is worth thinking carefully and answer it (the same place - in the plan) in writing. Remember? Written pen - not cut down with an ax. So in this case. Gradually implement the plan, it will be easier to navigate in the world of money, following the objectives chosen. However, when planning your own financial future, you need to give yourself a report, focusing on their own capabilities. Of course, not yet having your own car, plan turpolet into space, at least, hastily.

INCOME AND EXPENSES

To ever did implement his plan, you need to deal with what you have today. In other words, calculate the family daily, monthly expenses (housing, food, transportation, spending on children, etc.). Experts advise to divide the costs into good and bad.

Different from the first second that it does not bring any income. For example, a business (which invested money) - a good investment (because it generates income), and, say, a car - bad (since no cash income from it is not). The idea is to identify the attachment ratio and produce more good. For example, investing in securities (but that - after).

ACCUMULATION

To prosper in the future, it is necessary to act with time and money. However, finance - is not manna from heaven and is not born out of nothing. Only - such as finance. Therefore, soon to earn decent money, and to realize all our plans (see. Financial plan), requires an initial capital. If the initial capital is not got a legacy or another (preferably legal) way, then you should create it. That is, you will have to save. The process, it must be said, quite time-consuming and psychologically painful.

Not everyone can easily and easy to hide in the so-called "money-box" most earned. Specialists Financial Management argued that the impact of the accumulation can take place only when delayed about 80 percent of the income. Subsequently deferrable amount will decrease, but "money-box" will grow. In the end, necessarily long-awaited moment to delay will not have to. Then will come the turn of the next step, the components of the monetary law.

ATTACHMENTS

When the accumulation appear as a decent amount of money, it would be good to determine the order are ready to invest any money in it whatsoever (ie, invest). Experts are sure that such a move is sure to bring a speedy implementation of the revenue and bring conceived ideas. They also believe that the right thing to invest a regular amount equal to not less than ten percent of any earnings.

In itself, favorite

According to the professional financiers there is the most profitable and at the same time profitable kind of investments. This is an investment in herself. Experts are convinced that investing in their own education, in getting promising new knowledge - is, perhaps, and long-term, but certainly profitable investments. After all, investment in the spiritual, mental and health content, including, in the near future will be the indispensable key to the success of any individual.

From the bank - in banks

Especially popular among our fellow countrymen to you by saving money and there were bank deposits. Given that operates insurance law, the risk of losing the savings minimized. For example, in the West bank trusts much smaller number of people than in Russia. People in developed countries prefer to divide their savings and force them to work in several directions. This approach allows us to minimize risks and, at the same time, receive a significant addition to the salary.

What to do with money

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What prevents us to have a lot of money? Interview with a psychologist Irina Shkolnik.

- Let's say a person understand their true intentions, determined that he really needed the money, and "contract" with your subconscious mind. His success is guaranteed?

- No. Not only get the money - you must learn to hold them.

There are three aspects of social competence, which is useful in itself to develop to be able to borrow money for the embedded energy.

These are: the ability to dissociate themselves from unnecessary (the ability to firmly say "no");

the ability to request so as not to suffer from a failure (I am free to apply - you are free to refuse or consent);

ability to confrontation (the ability to clarify complex issues, the situation openly express their feelings and opinions).

And if a person does not develop these social skills, you have a lot of money it is dangerous: he'll take them either, or he would give them himself. But in any case he did not keep.

- And if someone does not sell its energy and gives, without having a lot of money?

- In each specific case it is necessary to deal separately. A person can donate money out of guilt or shame ("All are poor, and I'm rich"). It is harmful donation, which the Bible says, "is lined with good intentions road to hell." After all, if you look ahead, such an act is usually caused by pity and humiliation associated with.

To determine the motivation of the "Give", quite honestly answer the question: "Why am I doing this?" The ability to give money is also important because of their receipt and return occur at the same "channel". And how, why and what we give money affects our ability to have them.

- What about charity?

- Money is useful to give with joy and ease. As it is written in the Bible, in the beneficent deeds allocate 10% of revenue. In addition, his beneficence is not necessary to advertise, otherwise this sponsorship, which is already rewarded kind of advertising your virtue.

To a man, had the art to give money and to do it whole-heartedly, without humiliating anyone, and without waiting for this award, his energy returns multiplied, and usually from other sources.

- And if forced beneficence? What to do if you are using?

- If the card is, in your opinion, does not correspond to the energy expended - say, the work - it is better to either abandon such work, or really take it in charity. But in any case not to cultivate a negative feeling and not weighed down by the thought of "use" itself.

"Feminine" and "masculine" MONEY

- Who is more common to have money: men or women? (The question, of course, discriminatory, but in our mind quite firmly entrenched image of the male breadwinner.)

- I think those who want, who thirst for money and activity (not in terms of lust and greed, avarice, but in terms of passion). Besides, if we take into account the psychological differences between men and women, strong sex is peculiar to earn money. In this case, a man satisfied and happy, in this way they assert themselves.

A woman can be pretty, just get the money - for example, a husband, a gift, by inheritance (this in no way precludes it earning money). And if she is able to understand that her energy and caring for the man, the house, the child is expensive, then it would be quite comfortable when she will earn.

- It turns out that the care and love have the cash equivalent?

- You see, money is very energy associated with sexual energy, and the energy of love. And when you start seeing this relationship, we can draw parallels. But to theorize on this issue is impossible, because each case is important to consider individually.

To understand this relationship, a person must feel it. And if you still try to summarize, the power of women - in emotion, it is the inner workings. For men it is more common to reflect their feelings in outside activities: bring a mammoth cave or to provide well-being. If the problem men - to change the world, women - to encourage it to do so.

- It turns out that lack of love leads to a lack of money?

- Maybe. Any interaction - it is the energy exchange. And the woman affects the financial position of the man more than he thinks. This makes it important, lucky, happy.

Is it possible to buy health?

As is known, the possibilities are wide enough medicine - limited capacity of the patient. And if the health money can not buy, the medical care and medications can provide. So it depends on whether the health (and this adequate nutrition and vitamins, and disease prevention, and proper rest) of the material well-being?

- I think that health is largely dependent on a person's identity, its degree of maturity, education, self-respect. After all, uneducated people with big money much rather destroy their health. Can you imagine what are the opportunities for the excesses that have capital ?! In addition, we forget about the psychological health: the big money is fraught with serious psychological stress, and therefore more dangerous.

By the way, money can be a threat primarily to those who came to the capital, in the subconscious remained poor. Such people enslave money that we have seen in many "new" Ukrainians who surround themselves with a numerous guard, live in constant fear, and hence the neuroses, psychoses, and other "charms". But for the sake of truth it should be said that the impact on health and money, and their absence.

Instead of an epilogue

- Is it possible to be healthy and happy without money? - I ask a naive question.

- People manage. But I think that in a big city - not. Especially if there are children who do not always look at their requirements for parents.

If a man was rich, and then became a monk, I believe that it is in this and found myself happy without money. But if he strikes a pose originally ascetic altruist and reformatory, it is unlikely that tells the truth. The Bible says: "God dearer repentant sinner than the eternal righteous."





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