1. Improve Your Finances With These Essential Tips
Controlling your spending and living below your means will allow you to save money for the
days that you can no longer work anymore. This article has good guidance for getting your
personal finances straighten around.
Unless you have no other choice, do not accept grace periods from your credit card
company. It seems like a great idea, but the problem is you get used to not paying your card.
Paying your bills on time has to become a habit, and it's not a habit you want to get away
from.
Make sure to always pay yourself first. You should be putting at least 10% of your pre-tax
income into a savings account. This is the money that is going to keep you from losing the
house during an emergency. Do not skip on it and do not forget about it.
Try to pay more than the minimum payments on your credit cards. When you only pay the
minimum amount off your credit card each month it can end up taking years or even decades
to clear the balance. Items that you bought using the credit card can also end up costing you
over twice the purchase price.
Credit cards can be a wonderful replacement for debit cards. If you apply and are approved
for a credit card, use them on day-to-day purchases, such as gas and groceries. Most credit
cards offer some kind of rewards, like cash back on these items.
Get yourself a free checking account. Checking accounts these days charge an average of
about $13.00 in monthly fees, and usually require a minimum balance to keep the account
free. Switch to a no-fee account that requires no minimum balance and does not charge per
transaction. Try smaller banks in your community, online-only banks or credit unions.
You can eat quite inexpensively at fast food restaurants. It's not always the healthiest fare
but sometimes, when you are really broke, you can buy a decent sandwich or a bowl of chili
at a fast food place for around a dollar. Unless you have the money to buy your groceries in
quantity, buying food from fast food restaurants is cheaper than you could make it at home!
Check your credit report regularly. Check online to find out different methods of checking
your report for free. You should do this every six months to check your report for
unauthorized changes or evidence of identity theft.
Diversify your investments using mutual funds. It's difficult and expensive for a small investor
to create a diversified portfolio using individual securities, but a no-load mutual fund can
provide instant diversification at low cost. You can invest as little as $1000 in a fund that
holds anywhere from 20 to several hundred securities, for an annual fee as low as 1%.
Diversification helps to lower investment risk by reducing dependence on any one security to

2. provide a favorable return.
Put to good use the tips you have learned in this article. Be sure to plan for your future by
saving a good portion of your salary. You can also compare your quality of living to those
around but make sure you are living within a realistic range and do what is right for your
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