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افتراضي How to Manage Your Finances

 


How to Manage Your Finances
Personal financial management is a subject that is not taught in many schools, but is something that nearly everyone has to deal with in their lives later on.
Make a Budget:
1- For one month, keep track of all Your expenses. You don't have to limit yourself; just get an idea of what you spend money on during any given month. Save all Your receipts, make note of how much cash you need versus how much you expense to credit cards, and figure out how much money you have left over when the calendar turns.
2- After the first month, take stock of what you spent. Don't write down what you wished you had spent; write down what you actually spent. Categorize Your purchases in a way that makes sense to you. A simple list of Your monthly expenses might look something like this:
Monthly income: $3,000
Expenses:
Rent/mortgage: $800
Household bills (utilities/electric/cable): $125
Groceries: $300
Dining out: $125
Gas: $100
Emergency medical: $200
Discretionary: $400
Savings: $900

3- Now, write down Your actual budget. Based on the month of actual expenses — and Your own knowledge of Your spending history — budget out how much of Your income you want to allocate to each category every month. If desired, use an online budgeting platform, such as Mint.com, to help you Manage Your budget.
4- Be honest with yourself about Your budget. It's Your money — there's really no sense in lying to yourself about how much you're going to spend when making a budget. The only person you hurt when doing this is yourself. On the other hand, if you have no idea how you spend Your money, Your budget may take a few months to solidify. In the meantime, don't put down any hard numbers until you can get realistic with yourself.
5- Keep track of Your budget over time. The hard part of a budget is that Your expenses may change from month to month. The great part of a budget is that you'll have kept track of those changes, giving you an accurate idea of where Your money went during the year.
6- Spend Your Money Successfully.
7- When you can borrow/rent, don't buy.
8- Understand that owning a credit card may be very important for establishing credit.
9- Spend what you have, not what you hope to make. You may think of yourself as a high earner, but if Your money doesn't back up that statement, you're shooting yourself in the foot acting like you are. The first and greatest rule of spending money is this: Unless it's an emergency, only spend money that you have, not money that you expect to make. This should keep you out of debt and planning well for the future.


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