There are people who do not sleep for thinking about debt, lose their peace and even romantic relationships are damaged. However, when we decided to plan expenses and learn to manage the salary at the end of the tunnel you can see a light.
Now, various banking institutions and organizations offer courses on personal finance, which aims to promote the responsible use of banking services. Younger soaking can go about it.
Five Easy Steps
1. Accept the reality. Recognizes and pay your debts as quickly as possible.
2. Compose a budget. Devote a portion of income to basic needs and to settle other cards or loans.
3. Design a project about saving lives. Sets and meets goals travel or consumption.
4. Talks and agreements made with your family, to spend only what is necessary.
5. Planning: How much do I have? How much I can afford?
If you have bank debts
1. Restructure your financial commitments. Go to your bank and ask for a renegotiation of the debt, which means agreeing an extension, reduction or remission rate liabilities.
2. Transfer your balance: operates when another bank gives you a credit line to pay the current, but at a lower rate.
3. Consolidate your debts: This option allows you to transfer the balance on multiple cards to a single account and stay with a single commitment, with lower interest rates.
4. Look for a credit repair: are companies that offer options for li-quidar debits through new loans, but in exchange for collateral such as your home or car.
It happens in every way of life, both in moments of personal emotional crisis, as in interpersonal relationships.
While economic pressures begin to feel more today, you start seeing little by little those few people who start them curiously encourage others situation affects them both.
If you look closely you’ll find them. These are people who become more and more important to the company they work for as dismiss other, they are the only ones capable of keeping the ship afloat in their respective areas. Or, are people whose way of being inspired confidence to others in times of crisis and generate a sense of security to all others involved in an activity.
After all, it is these people that can take advantage of opportunities that always arise in a crisis situation, because in a crisis there are problems, and when there are problems people are willing to invest the resources to take those who have the fortitude and professional attitude to help resolve those problems.
In fact, these people end up having the best opportunities in the relations of friendship and even family, because while all others are hit by the discouragement of an economic crisis, people are becoming more popular and admired.
And what is the key to being of these people and to become successes and growth opportunities situations that everyone lives as a crisis? A mindset brave, realistic, positive. An attitude to life and to others that comes from a deep set of positive emotions built around our idea of ourselves.
When a person develops and maintains a true and healthy self-esteem (because as we discussed and sometimes, emotional structures are false and unhealthy self-esteem), are automatically generated security, joy and mental clarity but realistic attitude that need to achieve to be very successful from a crisis.
Make the annual account is even more striking: nearly 240 hours, about 24 days. In conclusion, if you can live near their workplace. Obviously not everyone can live in the lap of his employment, but who has the opportunity to do so.
Many dream up, open the door and be in less than ten minutes starting work. The desire can be realized if you begin to inspect the area where the company is or the office, how much can cost to rent a place.
A worker who has just 15 minutes in office you can add an extra hour to rest or do an activity of their choice. Those families may invest additional time in the children.
Many employees have not started the work day and the start tired by the bustle of public transport, contrary to those living near more willing to reach.
You will have less sedentary, may opt for daily walk or take a bicycle. Get to work earlier or leave later will be less traumatic.
Improved quality of life
At work, you must break current paradigms of many organizations and advance flexible schemes for their employees, as long as the job allows. Thanks to ICT, Information Communication Technologies, can be carried out remotely work, what flexible working hours and in many cases the decision to work in the traditional way in an office or at home, or combine both is a decision of each worker.
It can promote remote and virtual work, a strategy that has a number of benefits for both organizations and workers. Companies save on physical space, equipment and energy that are necessary to carry out a task. Workers benefit in saving time and money involved in the move from home to work and have more time for his personal life.
For many success can become a distant and even foreign word. It turns out that not only achieve the objectives and goals set by an individual in a given moment, with ambition or not. Until we can speak of success in small details of life.
Achieve what is proposed as follows:
1. Define your purpose. Decide what your ideal life, draw a strategy that allows acercarce increasingly what you want to accomplish.
2. Enclose your goals. Try to clearly define what you want to achieve, material things or personal achievements. Say mentally: “I want to have financial freedom, not having to work for money, spend time with my family.”
3. Set amounts and dates. It is not the same as saying: “I want to win a lot of money” to “I want to win $ 2,000 dollars a month.” This is to determine precisely the extent of its objectives in amount and time of achievement. If you set a date will be scheduled to do so unconsciously.
4. Divide and conquer. You have to split the objectives and goals into smaller, to make it simple to go through each of the purposes, rather than to face a very big challenge. You may not realize when they are enjoying the gains.
5. Visualize success. Look at yourself in the final stage of the effort. Pretend everything for fighting, has already achieved and try personified in that success.
One of the natural resources that generates greater concern because its preservation is water. Here is how we contribute to the care of this resource and promote environmentally responsible practices.
1. Change the system and modernize traditional bathroom with saving systems that allow you to choose the amount of water that the user wants in the tank. There are dual flush valves for deciding whether you want to download to evacuate is liquid or solid, that generates savings between 2-4 liters each time it is used.
2. Turn off the tap while brushing teeth or shaving, by doing this you can save up to 10 liters of water.
3. Shower bath instead of generating a saving of 150 liters of water. With the shower is not required to wait until the water is hot as occurs with storage heaters.
4. It is important to fix the faults of faucets and plumbing. A dripping tap loses about 30 liters of water.
5. Water plants in the evening to avoid losses due to evaporation. If the person does not have a proper irrigation system, pistols on the market designed especially for irrigation purpose.
6. Electric appliances such as washing machines and dishwashers are the most water used. It is recommended to use when filling with the largest number of items to be washed.
7. In your home, you can collect rain water for use in watering the garden and the plants or to drop toilets.
Family budgets are an expression of the goals in pesos and household financial priorities. Therefore, you must have a minimum plan that provides a good idea of what you want to do with the proceeds.
No north. Households must balance discipline and enjoyment. A good deal of time trying to build wealth to meet their basic needs or superfluous, the rest of the time, do pleasant things with their money.
Overestimating monthly income. Budgets must be based on income actually reaches the bank account. You have to deduct withholding tax, parafiscal payments, contributions to the Health Promoting Companies (EPS) and other wage deductions.
No plan events. It’s easy to plan expenditures birthday, anniversary or Christmas, or even with the holidays. Needless to book for special events, particularly when you have a hectic social life.
Costs of ownership. A car or a house costs are taxes, maintenance and insurance higher than when not calculated, settings get budgets.
Cost of credit. The unscheduled use of consumer credit card or disrupts any spending plan.
Do not make provisions for major expenses or unexpected events. The University of the children, retirement or own parents and school trips so are expenses that can be covered gradually when considered in advance.
Failure schedule. The most common problem is that the schedule is not met. The solution, build some discipline.
While some prefer sun, sea and sand, others go shopping, visit family, and others are urban tourism. The holidays, for some it is a place to spend quality time, for others it is a torment to think about what to spend.
How I can get the vacation survive financially? Basically to survive this period the best advice is do not spend your money on a vacation, but that is unlikely to follow to the letter that advice, usually when we have free time we enjoy the most and have fun with family and friends.
Now I can not spend How much on holiday? The trick is to find rentals quality options at a price not cheap because it generally cheap vacation there, but something that fits the spending we can do.
While just getting the place is not all it is a good start, this is the main step, if your case is one of those who likes to travel one day at the beach, do ecotourism other day, must find 3 or 4 options quality and a relatively comfortable.
We also have to think about everything and weigh each option. For example: if the beach will have to bring some money to eat at the place (if you do not allow the place to go take your own food), if no swimsuit has to buy it, you need to think at the expense of gasoline (with that of a gallon is going up and up) you will do to move from their house to the beach and back, also think of several potential purchases as souvenirs or handicrafts.
Worth seeking advice, usually friends or family members can recommend places, listen, discuss their proposals, maybe some of these recommendations is what you were looking for.
Also, always carry an extra. While you can budget almost everything, there are times when situations outside of our control, so it is always good to have an “extra money” saved to address these cases.
These are the symptoms:
1. Not learning anything new: Yeah, you already know how to do all the work. But it is also good to be learning, otherwise are not growing professionally.
2. Never wake up excited to go to work: Waking unwilling means you are not enjoying their work and the decreasing quality of life. If you wake up every day and dread going to work, it’s time to think about new horizons.
3. You spend more time surfing the Internet than doing their job: When you are at work, it’s supposed to be productive. Otherwise, it is becoming a waste of time and money for the company.
If you are bored and surfing the Internet, most of your work day, you may need to consider other job options where you have more incentives and responsibilities.
4. Most of his co-workers did not like them: Usually in the workplace there are always one or two office mates that most people can not bear. But if you do not want to most of their peers, it is likely that your days are not very nice.
If this is happening, it’s time to think about finding a company whose employees are more related to you.
5. The money is not enough to pay their obligations: If you are working more than necessary and do not pay enough to pay your bills, you may be overqualified and underpaid in the current position. If so, it is good to look for a job where you get paid what you deserve.
At this point we should clarify that if the reason why the money is not enough to have no proper management of personal finances, you have to do is check this site more often.
6. Spend time looking for other jobs: If you spend enough time looking for other jobs while waiting for the end of the workday, it’s obvious he wants to quit his job. So keep looking for a new position that will surely find one that suits your needs.
7. It has not gotten a raise in the last two years: If you to make an objective assessment is that consciousness does its work and that the company has profited by it, deserves to be rewarded.
After that, if your boss has not given up in the past two years, get one. If you do not, it’s time to find a better place to work.
8. Your boss is a nightmare: Sometimes the heads appear to be as good and in some cases are not the most loved by their subordinates. But if your boss becomes a nightmare, takes advantage of his time and is not communicative, it’s definitely time to find a new job.
9. The company does not give good results: In times of recession, sales of the company down, but this does not result in an imminent danger to workers. However, if the business has spent several periods in recession and can not get out of it, it would be good place to move your resume to other companies, before running out of their jobs.
10. You live stressed all the time: When you spend most of your life in the work, you must learn to enjoy it and not be stressed out all the time. If you spend most of your days stressed about what happens in the office, you’re not in the right job