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How to Do Money Management?

How to Do Money Management?Finding it hard to manage your income? Want to learn the wise way in coping up with monetary problems? One facet of the financial aspect is money management. It is a process of handling your finances, which includes investment, budgeting and taxes.

According to a Financial Literacy Survey by Bankrate.com, 70 percent of Americans rate themselves from good to excellent when it comes to managing their money. However, only 25 percent passed when asked how efficient their money management is.

Here is a rich man’s set of tips on money management:

Learn the value of saving

Reward yourself first before you pay the bills. Instead of making a long list of bills to pay, things to purchase, and stuff you want to grab, you should secure your savings first. The bigger the savings you have the better.

There’s no trick to this. Only pure discipline when it comes to money. Of course, you’ll have to work out that budget first. That’s the key to increase your monthly savings.

And the second key is…

Pay bills on time

There’s a vast difference between paying the bills now and paying it later – which calls for extra charges. Avoid late payments at all cost and avoid debts in-between payrolls. Tabulate your payment schedule on a monthly basis.

Remember that your bills vary in amount. If your bills for a particular pay period are more than you expected, ask the bank to change your payment day to balance your budget. You may also opt to make an advance payment to lessen your burden and keep your cash flow in order. Use your phone’s calendar to alert you when it’s time to pay your dues.

Seek counsel

If all else fails, ask an expert to help you out. There’s nothing wrong with throwing a couple of bucks for something that will surely save you a thousand more in the years to come. But of course, anyone can be your financial adviser: you’re friend, your sister, or your mother. Choose someone you’re comfortable with and knows you as a person.

Establish a budget

As I have mentioned earlier, budget is a self-deprivation. And money management relies entirely on your budget. To establish a budget, make a cash breakdown and set an estimated amount for your savings, then fixed expenses like mortgage and insurance payment, followed by flexible expenses like utility and phone bill, and lastly your personal expenditures.

If in case you fall short on your budget, make adjustments with your flexible and personal expense budget. Minimize unnecessary spending and secure your priorities first.

Get rid of debts and deficit

Separate your secured and unsecured loans. For secured loans, pay it in advance to minimize your credit in the coming months. For unsecured loans, compare your available cash with the remaining balance of your unsecured loans and pay off as many as unsecured loans as you can.

Remember that you are the manager of your own money. And whatever future your finances has, relies on how you handle it.