Avoid Financial Stress in Household

Diposting oleh pak yons on Kamis, 27 Desember 2012

Financial PROBLEM can cause great strife in the household. Bills are piling up, twisted debt and savings are depleted, can create stress which leads to blame.

But, do not let money destroy your marriage and your husband. Instead, follow a number of steps to avoid financial stress following:

Setting goals
It's important for you to write financial goals - both long-term goals like any short-term goals to be achieved. Prioritize your life specifically.

If you free yourself of debt is your primary goal, write down how much debt is expected to be paid off every month. If saving to buy a new home is your goal, decide how much money should be set aside each month.

By writing these goals, you will be more motivated and able to free himself from the temptation shopping. Instead, you are also becoming passionate committed to achieving that goal.

Given the trend
Often times, people do not realize where their money goes. In order to control personal finances, find out first why you are spending money and where the money is.

Try tracking your expenses for two months. Choose the method you like best, such as using a pencil and a notebook, computer spreadsheet, or online budget planner. At the end of the second month, you may be surprised to see an unnecessary expenditure.

Equally important is fighting against your natural tendencies. If many delinquent bill for paper bills persist, organizing methods, for example by using a filing cabinet for storing paper-lertas and notes.

Take advantage of technology

Do not hesitate to take advantage of technology as much as possible for your kindness. If saving the main goal, to make a separate savings account and have money automatically deducted from your paycheck to put into other accounts.

In addition, pay bills online and use your smart phone or computer to remind your financial goals.

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