Cool Investments

Now, by analyzing the outgoing year, hit their family financial report, it's time to start budgeting for 2010! First of all, someone must take the initiative in their hands! Just to have a notepad and record income and expenses for the month! When a few years ago I started to do it, I was shocked how much really goes into an empty money! After careful analysis of the cost I see where you could have been avoided spending? "I remember his unsuccessful and how it was possible to buy a particular product for less money?" What the article altogether removed from the expenditure? Etc. After that, it's time to draw up a budget! And I like it most! Why? The budget helps define the purpose of next year, and most importantly, ways to achieve this goal! I take the sheet, divide it in half, from left are entered necessary expenses: utilities, food, training, travel expenses, etc. Gary Kelly may find this interesting as well. maintaining monetary airbags is cash reserve, which will allow you to spend at least 5-7 months in the absence of income-every family has it own! Even lower, as I plan to invest, ie saving is also a mandatory item of expenditure, insurance, and investments in retirement! The right side I'm doing what I dream: a new car, a trip the whole family on vacation, once a year or twice a year, and maybe even more is how you want the house in the country and etc. This sheet is displayed prominently and every family member makes a place on their needs, such as someone in the family wants to start a new sport or learn another foreign language is all a cost, and if it is not the planned budget bursting at the seams! Now, when everything made, it's time to see how much it will spill over our desires! Prices have changed, but I usually add somewhere in the top 10% for inflation! If you can save it right away becomes an article of savings, but not in the article additional costs! And so, the estimated revenue for 2010 is, and has already anticipated costs! The figures – not converge! Consumption is higher than income? Wishes do not coincide with the possibilities! That do? There are three ways: 1.Sokratit costs. 2.Razbit expenses, other than the main-on and long-term and adjust the timing! 3.Uvelichit income and the number of sources of income! Assess their capabilities and find employment, that will bring maximum profit! The words of Benjamin Franklin in handy: "We have two ways to be happy: to reduce our needs or to increase .Esli you are wise, you do something, and more!" I wish You, what would your chances of always coincide with your wishes!