2013년 11월 27일 수요일

About 'account management system'|Turn your checking account into a cash management system







About 'account management system'|Turn your checking account into a cash management system








               Creating               a               personal               budget               and               savings               plan               strikes               fear               in               the               hearts               of               many,               but               it               can               be               easy               and               painless.

It               is               essential               for               personal               money               management               that               you               have               a               solid               savings               plan               and               budget.

Just               take               one               percent               of               your               weekly               pay               and               place               it               in               a               high               yield               savings               account.

You               can               also               get               an               account               that               does               not               allow               you               to               withdrawal               funds               for               a               said               amount               of               time               so               that               you               never               have               to               worry               about               temptation.

If               you               do               this               you               can               save               an               average               of               $100.00               per               year.

Take               one               dollar               a               day               and               place               it               in               a               jar               or               box.

By               doing               this               you               will               save               an               average               of               $30.00               a               month.

Now               making               a               budget               can               be               a               little               more               tricky,               but               just               as               painless.

First,               think               about               all               of               the               purchases               you               have               made               in               the               past               three               months.

How               many               of               them               were               actually               necessities?

Second,               sit               down               grab               a               piece               of               paper               and               write               down               what               you               absolutely               need               to               get               you               through               a               month.

You               will               of               course               need               things               like               food,               utilities,               gas               for               your               vehicle(s),               rent/mortgage,               insurance               premiums,               and               other               necessary               items               like               things               for               a               baby,               medication,               household               products               bath               and               beauty               products               vehicle               maintenance               etc.

For               an               average               food               cost               plan               take               the               number               of               people               in               your               household               and               multiply               that               by               $7.00               and               that               is               the               average               cost               of               food               per               day,               now               take               that               total               and               multiply               it               by               30               and               you               will               have               your               average               monthly               food               budget.

You               don't               need               a               t-bone               everyday               for               dinner               and               a               variety               of               foods               will               keep               you               and               your               family               more               happy               and               healthy.

When               it               comes               to               household               products               such               as               cleaning               products               and               bath               and               beauty               products               the               average               person               spends               a               total               of               $50.00               a               month.

If               you               are               money               savvy               you               probably               will               not               need               that               much,               but               plan               about               $50.00               and               do               whatever               you               can               not               to               exceed               this               amount.

You               don't               need               a               lipstick               in               every               color               or               5               different               types               of               floor               cleaners               most               are               interchangeable.

When               it               comes               to               saving               on               gas               for               your               vehicle(s)               you               must               think               of               how               many               unnecessary               trips               you               take               per               month.

Try               to               do               all               of               your               errands               in               one               day               instead               of               spreading               them               out               to               every               day               of               the               week.

You               can               also               opt               to               bay               most               of               your               bills               online               so               that               you               don't               have               to               drive               to               a               post               office               or               bill               paying               establishment               every               time               a               bill               is               due.

As               an               added               bonus               you               will               save               on               stamps.

For               a               basic               V6               engine               vehicle               plan               to               spend               and               average               of               $30.00               per               week               to               keep               your               vehicle               going.

When               it               comes               to               vehicle               maintenance               you               don't               need               to               change               your               oil               or               replace               your               brakes               every               month               so               create               a               small               savings               account               whether               through               your               bank               or               somewhere               in               your               home               and               place               an               average               of               $15.00               a               month               in               it.

Insurance               premiums               are               pretty               cut               and               dry               in               the               amount               you               will               owe               per               month.

Most               companies               offer               discount               rates               if               you               have               multiple               premiums               with               them               so               look               into               that               and               it               could               save               you               a               pretty               good               hunk               of               cash.

Rent               and               mortgage               are               inevitable               bills               that               need               to               paid               each               and               every               month.

If               you               have               a               mortgage               you               can               look               into               refinancing               and               always               try               to               get               a               fixed               interest               rate.

Your               rent               or               mortgage               should               not               exceed               20%               of               your               monthly               income.

Utilities               can               be               very               versatile               in               what               you               will               owe               monthly.

There               are               several               factors               that               play               a               role               in               how               much               you               will               need               to               pay               them.

You               really               don't               need               to               have               every               light               on               in               the               house               so               turn               them               off.

When               it               comes               to               budgeting               for               them               you               should               on               average               set               aside               $70.00               per               utility               and               once               they               are               all               added               up               you               shouldn't               exceed               the               total               amount.

An               easy               way               to               do               this               would               be               to               take               the               number               of               monthly               utilities               and               multiply               that               by               $70.00.

Some               will               be               more               than               $70.00               and               some               will               be               less               so               those               in               which               do               not               amount               to               $70.00               can               be               carried               over               to               fulfill               the               balance               of               those               that               exceed               $70.00.

For               other               items               such               as               medication,               things               for               baby               or               school               etc.

you               must               take               the               minimum               of               what               you               need               to               spend               to               keep               all               these               things               in               order               and               apply               that               to               your               budget.

Every               person               will               have               a               different               amount               because               not               everyone               goes               to               school,               has               children               or               needs               medication.
               When               it               comes               to               choosing               a               money               management               program               there               are               several               to               choose               from               and               you               should               defiantly               do               your               research.

Most               banks               offer               free               programs               if               you               have               an               account               with               them.

You               can               also               opt               to               try               a               service               outside               of               your               bank               such               as               Consumer               Credit               Consouling,               Money               Management               international               and               AARP               money               management.

These               programs               are               similar               in               what               they               offer               like               a               personal               debt               management               specialist,               assistance               in               creating               a               budget               and               savings               plan,               assistance               in               paying               off               credit               cards               and               other               past               due               debts               such               as               mortgages,               student               loans               and               other               types               of               loans.

Some               of               these               services               can               cost               you               money               and               others               are               completely               free.

Some               help               you               reduce               your               debt               and               some               help               you               completely               pay               off               your               debts.

My               advice               to               you               would               be               to               shop               around               and               ask               plenty               of               questions               before               committing               yourself               to               a               specific               agency.
               Money               management               software               is               a               great               tool               to               help               you               get               out               of               debt               as               well               as               help               you               not               get               into               debt.

There               are               literally               hundreds               of               software               programs               available               some               are               free               and               can               be               downloaded               and               some               can               be               purchased               online               or               at               a               store               where               they               sell               software.

Some               of               the               top               software               brands               are               Quicken,               Mvelopes,               Mint               and               Microsoft               Money.

Most               money               management               software,               if               not               free,               has               a               free               trial               offer               so               that               you               can               try               before               you               buy               to               insure               that               it's               a               good               fit               for               your               financial               situation.

Software               unlike               programs               aren't               going               to               help               you               reduce               your               debt               with               your               creditors               unless               you               start               paying               them               it               will               also               not               counsel               you.

Most               of               the               software               out               there               is               very               easy               to               use.

Another               option               that               I               personally               use               is               OpenOffice.

It               is               very               similar               to               Microsoft               Excel,               but               it               is               free               to               download.

If               you               choose               this               option               you               will               not               have               wizards               and               tutorials               showing               you               how               to               mange               your               funds.

I               use               this               because               it               works               for               me               and               because               I               don't               need               specialized               help               in               managing               my               money.

If               you               need               specialized               help               you               should               go               with               a               program               or               software               that               is               designed               for               money               management.
               Here               are               a               few               ways               that               you               can               save               a               substantial               amount               of               money               without               making               any               sacrifices.
               Cancel               your               movie               club               membership               and               head               to               the               library.

Yes,               the               library.

You               may               wait               an               extra               week               but               the               library               has               all               the               latest               blockbusters               and               they               are               yours               free               for               approximately               72               hours.
               Same               goes               for               those               book               club               memberships.

The               library               has               basically               every               book               you               could               ever               think               of.

You               get               them               for               about               three               weeks               for               free               and               if               you               need               more               time               you               can               renew               them               for               free.
               Frozen               veggies               are               in.

Frozen               veggies               carry               basically               the               same               nutrients               of               fresh               veggies               at               a               fraction               of               the               price               and               they               last               longer.
               Credit               Cards.

Do               you               really               need               a               credit               card               for               every               store.

No,               you               don't.

Keep               one               from               each               company               with               a               maximum               of               four               cards.

One               Visa,               One               Master               Card,               One               Discover               and               One               American               Express.

If               you               only               have               one               major               credit               card               that's               great               you'll               save               more               and               have               less               worry               about               interest               fees.

Always               pay               the               full               amount               on               time.

Do               not               spend               what               you               cannot               pay               off               every               month.
               Tap               water               purification.

Get               a               tap               water               purifier.

Bottled               water               is               expensive.

You               will               save               time               and               the               environment               with               a               purifier               system.
               If               you               have               a               family               buy               in               bulk.

Sign               up               with               a               wholesale               club.

The               membership               fees               will               pay               for               themselves               on               the               first               visit.
               Coupons               are               your               friends.

Coupons               can               save               you               hundreds               of               dollars               per               year.

Just               get               that               Sunday               paper               and               clip               away               to               financial               freedom.
               Cancel               that               gym               membership.

For               the               cost               of               one               years               membership               fees               you               can               get               yourself               a               small               home               gym.

Plus               you               will               save               gas               money               because               you               won't               have               to               drive               to               the               gym               everyday.
               Recycle               Aluminum.

Your               local               scrap               yard               will               pay               you               for               it.

Just               bag               them               up               and               bring               them               in.
               Grow               your               own               herbs.

You               can               buy               kits               pretty               cheap               and               grow               them               in               your               kitchen.

fresh               herbs               are               expensive               this               way               you               save               a               ton               of               cash.

Check               out               the               Chia               Herb               Garden.
               If               you               live               close               to               work               walk               it.

You               will               receive               health               benefits               as               well               as               save               a               ton               of               cash               on               gas.
               Check               local               listings               for               estate               sales               and               house               auctions               in               your               area.

You               can               find               amazing               deals               on               just               about               anything               you               could               need               or               want.

Also               don't               forget               about               ebay.
               Pack               your               lunch.

It               is               healthier               and               more               cost               effective.

You               can               go               to               your               local               dollar               store               and               pick               up               a               pouch               of               brown               paper               bags,               or               you               can               stop               at               a               store               like               Target               and               get               a               thermal               lunch               bag               for               under               $10.00.

You               will               save               an               average               of               $5.00               a               day               on               lunch.
               Take               your               own               coffee.

Instead               of               stopping               at               a               gourmet               coffee               shop               grab               a               thermos               and               bring               your               own.

You               will               save               an               average               of               $30.00               a               week.

You               can               but               a               pound               of               ground               coffee               of               most               gourmet               coffee               chain               coffees               at               your               local               grocer               for               the               price               of               one               cup.
               Go               to               your               city's               website               and               check               out               things               to               do               that               are               free.

If               you               live               in               a               big               city               chances               are               you               will               find               many               things               that               interest               you.
               Wash               your               car               at               home.

This               is               a               major               saver               and               burns               some               calories.

An               average               car               wash               is               $7.00               and               that's               just               the               type               of               car               wash               you               drive               through.
               Buy               a               bagless               vacuum.

Those               bags               cost               you               money               so               go               bagless.

The               vacuum               will               pay               for               itself               within               a               year.
               Money               management               is               all               about               responsibility               and               living               within               your               means.

You               could               always               advance               your               education               or               take               on               a               second               job               if               your               financial               situation               becomes               to               much               to               handle.

Your               best               bet               would               be               to               contact               your               creditors               and               try               to               establish               a               payment               plan               that               you               can               confidently               pay               every               month.

Most               creditors               want               their               money               so               they               will               work               with               you.

The               next               time               you               are               at               the               store               and               considering               an               item               ask               yourself               "do               I               need               this               right               now               and               is               it               necessary               in               order               to               sustain               a               comfortable               living?"               You               know               what               you               need               in               order               to               survive               and               what               you               don't               so               always               keep               a               mental               note               of               that               when               you               hit               the               stores.






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