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Manage Your Finances And Remain Debt Free

John Curl / July 25, 2019

Managing and spending money should not have too much of an effect if you live alone, but people who have family to take care of they must carefully weigh all their options. This article contains tips to help you successfully manage your personal finances.

Writing down the amount you spend each day can be helpful in understanding where you spend your money. By writing it inside a notebook that can be closed, it might get forgotten because it’s not in plain sight. Instead, create a big chart or board at home and use that to list all your expenses. You will look at it every day and be reminded of what you need to do.

Fancy Feast

To make your financial life better, don’t pay full price. Try to only buy a product if it is on sale or you have a coupon. If you always buy Purina Cat Chow, but this week’s online coupons has a coupon for Fancy Feast, you might be able to get the Fancy Feast for less than the Cat Chow for once.

Speak with your bank about setting up a savings account where a certain portion of funds transfer over to it from the checking account each month. Set up an automatic account if you find it hard to put some money aside. It’s extremely helpful if you have an expensive life event that you’re saving money for, like a vacation or a wedding.

If your credit card is close to its limit, use a different one rather than letting it max out. The interest from multiple credit cards is typically lower than a single card that is maxed out. This will prove less damaging to your overall credit score and helps you build a higher score with smart management.

If you want a measure of security in your financial situation, put a specified amount of money every week or month into a savings account. With money in savings, you may be able to avoid getting loans, and will also be in a position to handle unusual expenses. Even if you cannot make a big contribution every month, you should still save up as much as possible.

Frequent Flier

The frequent flier program is absolutely ideal for anyone who flies often and enjoys saving money or receiving free rewards. It is common for credit card companies to offer frequent flyer rewards for purchases made using your card. Some hotels will also redeem frequent flier miles. They can be cashed in for discounted stays, or even free lodging.

It’s worth repeating: Good personal finance skills are important for anyone, and especially vital for people who have a family to look after. Create an intelligent, well thought-out budget to help you get the most out of the money you make and avoid falling into debt.

Tagged cat chow, fancy feast, frequent flier, saving money, savings account

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