On the other hand the increase in the cost of living increasingly unstoppable. If not smart set, the financial profit is not achieved but the debt can pile up.
Did not want to continue mired in financial management, the following 10 smart ways that can be replicated on personal financial management, launch page US News about personal finance, Tuesday (11/06/2013):
1. Set Financial Goals
For some people, nothing is more attractive than setting aside some money to buy a house with three bedrooms fenced white. Another dream wandered all over the world.
It is true if you have a goal that will surely make it easier to manage personal finances. It also would be the motivation to collect revenue.
2. Create a Spending Plan
Most people spend about 2/3 of their income on three important matters, namely: food, housing, and transportation. Unisex debt payments, savings, household expenses, and optional items such as entertainment.
You should create an annual budget by allocating a shopping destination based on the sharing of posts each.
3. Hold Yourself Against Temptation Sales Deals
The shop is built to exhaust the buyer’s pockets. Promotional offers such as discounts, prizes are some of the techniques used sellers to attract consumers.
But if we know their tricks, will make us able to resist the temptation of the offers. It is easier is to immediately say no to all the offers.
4. Track Personal Expenses
Track every expenditure for two weeks can filter out unnecessary spending, such as restaurant meals and taxi costs.
5. Find Similar Products are Offer Prices Cheaper
Product pricing in a shop turned out to be much more expensive than the starting price of the product. If when you want to buy a product and view a lower price listed anywhere else, please do not hesitate to move to the store.
6. Do Research Online Before Visiting Stores
Product review sites and online discount warehouse often provide information about how and where to find the best deals.
Moreover, if there is a free shipping offer, can make an online purchase as an option.
7. Search Revenue More Than One Source
In the current era where anything can happen. Lack of job security in today’s market can make anyone lose their jobs or face pay cuts.
But this is corrected if there is a second source of income. Look for ideas on how to get more money.
8. Start your Own Business
As in America, the recession has inspired many people to explore entrepreneurship as a way to take back control of their financial lives.
Even relatively small businesses, such as a blog that makes money through advertising or gardens that produce flowers, can turn into a source of financial security.
9. Negotiate Salary Back
Many workers feel fortunate to have a job in its current state. But sometimes ask for a raise can be a smarter move.
If you have recently changed jobs, received a promotion, or realize the low paid compared with other peers, it may be time to sit down with your boss and ask for a raise.
10. Do Avoiding Debt
Debt has a bad reputation because it is may cause bankruptcy. But taking credit with proper management it can be useful.