Thursday, January 24, 2013
Saturday, January 5, 2013
GOOD HABITS FOR PERSOAL FINANCE
1. Tracking your expenses on daily basis.
2.
Making personal balance sheet and profit and
loss account to know your own net worth.
3.
Being careful not to overspend.
4. Never buying anything on impulse. One of the
best ways to help prevent this is to make a shopping list and then stick to it.
5.
Opening your bills when you get them.
6.
Paying your bills online when possible.
7.
Doing your research before purchasing
extended warranties.
8.
Ignoring credit card convenience checks that
come in the mail. They usually come with high fees that make them extremely
expensive.
9.
Saving part of your income for retirement. Try
saving at least 10 percent from every paycheck; it’s never too late to start.
10. Keeping
the money in your wallet to a minimum.
11. Spending
less than you earn every month.
12. Avoid
spending on Credit. As long as when it come to take things on credit, do plan
as to whether you can repay it or not.
13. Taking advantage of automatic paycheck
deductions. Not only does it ensure you pay yourself first, it’s an easy and
painless way to save for retirement.
14. Reading
all contracts before signing on the dotted line.
15. Reviewing
your credit card statements for errors and erroneous charges.
16. Keeping
a budget. Because for most folks, when it comes to managing their money,
failing to plan is the same as planning to fail.
17. Sincerely
following your budget. It’s one thing to create a budget, but if you don’t have
the discipline to put it into action, why bother?
18. Paying
the bills on time. By doing so you’ll avoid spending money on needless late
fees.
19. Taking
advantage of coupons and internet promotional codes as often as possible.
20. Refusing
to pay the minimum on your credit card bills each month. Here’s a credit card
fact: making minimum payments each month will ensure you pay the
maximum interest.
21. Never
hoping for an inheritance to solve your money problems.
22. Avoiding
the lottery.
23. Setting,
and then regularly reviewing and updating your savings goals.
24. Never
overpaying for insurance.
25. Fully
understanding stocks and other financial instruments before investing in them. Never
assuming past performance guarantees future results.
26. Negotiating
whenever the opportunity presents itself.
27. Ensuring
your retirement needs are taken care of prior to providing for your children’s
future. What good is saving for the kids’ college education if you’ll be eating
cat food in your golden years?
28. Occasionally
rewarding
yourself by spending lavishly.
29. Maintaining
an emergency fund. Everyone should have between three and six months of living
expenses in the bank.
30. Treating
your household
like a business. By taking an active role in managing your finances
— and looking at ways to maximize your income — you’ll ensure a brighter
financial future for you and your family.
Tuesday, January 1, 2013
RESOLUTIONS FOR 2013
1.
To keep track
of my daily expenses
2.
To cut down leisure expenses
3.
To spend more quality time with family
4.
To stop saying unnecessary lie
5.
To stop taking any activity for granted
6.
To reach office by 10 o’clock.
7.
To cultivate habit of speaking in English.
8.
To stop having illogical conversation.
9.
To stop wasting time in all manner.
10.
To concentrate on upgrading my skills and
competence.
11.
To join ICAI course
12.
To make a saving of Rs.1000000/-
13.
To sleep by 11.00 pm
14.
To learn cooking food
15.
To change my dressing style.
16.
To increase vocabulary knowledge.
17.
To make 100 new friends.
18.
To visit 10 new place.
19.
To invest in real estate.
20.
To get 5 new clients.
21.
To repay all my debts
22.
To make daily note of experience in draft
(hotmail).
23.
To be a good daughter/ good friend/
citizen/professional.
24.
To have own 500 posts in my blog.
25.
To be thankful to god as going to support me for
whatever resolution I promise to follow.
1/1/2013 11:51:31 PM
THANK YOU
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