1. Simple Steps To Help You With
Your Personal Finance
by imjetred | on April 12, 2013
http://www.empowernetwork.com/imjetred/

2. A premiercauseof depressionis financialdisarray.
“Maybe money can’t buy happiness, but it can
certainly prevent debt-related stress and anxiety.
Fewer monetary concerns allow us to sleep more
soundly and feel less stressed. A premier cause of
depression is financial disarray.”
Take a look at the advice below to stabilize your
finances and spare yourself that sort of irritation.

3. Debt should be your last resort
• Debt should be your last resort, because debt can lead to poor
personal finances. There are certain types of debt that you cannot
escape like mortgages. Yet you should not opt to take out credit
cards and build debt that way. Loans and credit cards charge
interest and fees; therefore, it is important to try not to borrow
unless it is absolutely necessary.
Educate yourself on old debts
• If you are struggling with very old debts, educate yourself on when
they expire. Talk to a professional about the timeline for your debt
to expire. Know these deadlines and never pay out to collection
agencies that attempt to collect expired debt.

4. Use a flexiblespending account
• Make sure you use a flexible spending account. Flexible spending
accounts can really save you cash, especially if you have ongoing
medical costs or a consistent daycare bill. Flexible spending
accounts are pretax monies put aside for medical and daycare
expenses. There may be terms and conditions with these types of
accounts. It is in your best interest to talk with a tax professional
if you do not understand how flexible spending works.
Be thorough in your disposal ofsensitive documents
and information
• Make sure to have a safe method to get rid of important financial
documents. Getting a paper shredder is an effective way to handle
this. You could risk fraud and identity theft if these documents are
not properly disposed of. Be thorough in your disposal of sensitive
documents and information.

5. Investigate your insurancepolicies
• Fine-tuning the options within your insurance polices
may be a way to free up some money. It makes sense
to investigate bundling options and the possibility of
allowing excess coverage to lapse. This will save you a
ton of money over time.
Take advantage of alert services
• Take advantage of alert services that many banks offer
to online customers. It is rare to find a bank that does
not send out emails or texts to alert of you of account
events. Having a large withdrawal or low balance alert
will protect you from fraud and overdraft.

6. Use computer to categorizeexpenses
• If old-style checkbook balancing sounds lame, let your computer
do it for you. There are websites out there that have software
programs that you can use to categorize expenses, track cash
flows, and calculate interest. All of which you can use to create a
reasonable budget for yourself.
Save regularly
• Putting money aside in a savings account is an important part of a
healthy personal finance plan. You can save money for buying large
purchases like a new TV or a new car. Additionally, you need to
save money so that you can enjoy a comfortable, stress-free
retirement. Whatever your reason, saving regularly is a great idea.

7. • Here is the button to
take you to Financial
Freedom.
• What you need to do is
to provide your email
address, and you will
watch a video to get a
fair idea about this
program. Then you need
to sign up to join It
HERE.

8. • Have a financial plan
• Setting a firm, ambitious goal for your future spending can help motivate
you to take care of your financial situation in the present. An effective tool is
a financial plan, it keeps you on-track and will help curb impulse purchases.
• Have a emergency fund
• Your emergency fund should have at least three months of income in it. Set
aside 10 percent of every paycheck and invest it in a savings account that
has a high return.
• Surely the ideas in this article have given you quite a few ideas on how to
manage your finances better in the future. Staying in control of your
finances has plenty of long-term gains that make the patience, effort and
upheavals required to fix financial problems worth it. These two factors can
help with your happiness!
Click here to read more of personal finance articles.
Good luck and happy blogging!

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