Personal Finance Advice

When you know the impact of little expenses, you will realise that there is nothing little in this world.  Manoj Arora

Learn How to Save and start early. If you don’t know the power of compounding returns, learn it, because it will make you excited about your future.

Beware of Bad Advice: Educate Yourself.

Create a Financial Plan and Calendar.

 Know Where Your Money Goes: Learn to Budget. Set a Budget, Period and Stick to it.

Pay Yourself First: Start an Emergency Fund.

Check Your Interest Rate.

Don’t try to predict the market. “The temptation to pick out certain sectors in the market can be strong. It’s better to get into diversified, low-cost funds.”

Track Your Net Worth.

Consider an All-Cash Diet.

Take a Daily Money Minute.

Allocate at Least 25% of Your Income Toward Financial Priorities.

Budget About 30% of Your Income for Lifestyle Spending.

Set Specific Financial Goals.

Adopt a Spending Mantra.

Love Yourself.

Banish Toxic Money Thoughts.

Get Your Finances–and Body—in Shape.

Pay Off Credit Card Debt.

Get Paid What You’re Worth and Spend Less Than You Earn.

Opt for Mortgage Payments Below 28% of Your Monthly Income.

Evaluate Purchases by Cost Per Use.

Spend on Experiences, Not Things.

Shop Solo.

Spend on the Real You—Not the Imaginary You.

Ditch the Overdraft Protection.

Start Saving ASAP For Your Retirement.

Do Everything Possible Not to Cash Out Your Retirement Account Early.

Give Money to Get Money.

 When You Get a Raise On Your Salary, Raise Your Retirement Savings, Too.

Review Your Credit Report Regularly and Keep an Eye on Your Credit Score.

Keep Your Credit Use Below 25% of Your Total Available Credit.

Make Savings Part of Your Monthly Budget.

Keep Your Savings Out of Your Checking Account. Start saving while you are young.

 Open a Savings Account at a Different Bank Than Where You Have Your Checking Account.

Consider Switching to a Credit Union.

 Pay Attention to Fees.

 Rebalance Your Portfolio Once a Year.

Review Your Insurance Coverages.

Keep Good Records.

Think about risk. Before you start to consider investment opportunities, it is important to consider if you can risk any losses.

Choose the right financial products to align with your goals.

Account for contingencies.

Think about tax. Stay on Top of Your Taxes.

Consider a side hustle.

Pay with cash, not credit.

Start an emergency fund.

Protect your wealth.

Guard your health.

Buy the Right Insurance.

Don’t Forget Your Taxes.

Keep Track of Interest Rates.

Take Advantage of Budgeting Resources.

Make Smart Investments.

Educate yourself on personal finance.

Learn to budget.

Save for the Unexpected Emergency

Check Your Interest Rate.

Draft a Financial Vision Board.

Set Specific Financial Goals.

Make Savings Part of Your Monthly Budget.

Call your service companies and ask for an updated plan.

Consider using the right kind of professional help.

Investigate consolidating or settling debts.

Stick to your plan

Make More Money by Taking Risks.

Look for Safe Investments.

Focus on the Future and Keep a Long-Term Perspective.

Keep Personal and Business Accounts Separate.

Create An Easy To Follow Record Keeping System.

Build an Audit Trail.

Know Your Business Expenses.

Outsource to a Professional Bookkeeper

Make Your Books a Priority.

Have a robust internal audit procedure.

Learn to budget and set up one periodically.

Spend Less Than You Earn.

Check Your Finances Regularly.

Start to Read Finance Books and Blogs.

Break Down Your Income & Expenses.

Use Online Budgeting Tools.

Banish Toxic Money Thoughts.

A Credit Card is Not Free Money.

Stay Out of Bad Debt.

You Can Negotiate More Than Just Your Salary.

Reduce Variable Expenses. Your fixed expenses are those that are the same every month, such as rent and more. Your variable expenses are those that change month to month. Those expenses include food, shopping, and entertainment.

When Negotiating a Salary, Get the Company to Name Figures First.

Choose Your Priorities.

Use a Meal Plan. Meal planning can help you save a lot of money on groceries, as well as cut down on wasting food.

Start Investing.

Start With Small Debts to Help You Conquer the Big Ones.

Eliminate Unnecessary Expenses.

Use Coupons

Diversify Your Income.

Learn to Say No.

Do Everything Possible Not to Cash Out Your Retirement Account Early.

Avoid Credit Card Interest.

Avoid Impulse Spending.

Use Windfalls Wisely.

Make Savings Part of Your Monthly Budget.

Get More Life Insurance on Top of Your Company’s Policy.

Unsubscribe from Sales Emails.

Save for the Holidays All Year Long.

Sell Unwanted Items.

Communicate About Finances.

Don’t Increase Your Lifestyle Costs When Your Salary Increases.

Make more money using passive income strategy.

“Financial freedom is available to those who learn about it and work for it.” ― Robert Kiyosaki

“All successful people men and women are big dreamers. They imagine what their future could be, ideal in every respect, and then they work every day toward their distant vision, that goal or purpose.” ― Brian Tracy

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