You should inculcate financial management as a habit in your child from early on. Check out the best ways to teach kids about money management.
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If you are looking to take that next big step in business ownership by buying a building of your own but, wonder how to go about doing that then read on
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Steering a boat against the wind and waves is a lot like steering your finances against the uncertainty of Life. In either situation you need a way to steer toward your destination. If at the end of each month you feel like you have no control maybe you should give simple home finances a look!
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Just like in sports if you don’t have a good defense success will elude you. But a strong defense makes an offense better. So consider using a Spending Plan first as a tool to protect your income and
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Complaining about something does not change it! Many complain about losing sleep worrying about money, running up credit cards, eating eggs or noodles for a month to pay a bill they had but did not plan for. Well it is time to stop complaining and do something about it!
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What the Bible tells us about debt and what to do to bring it under control!
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The Bible does not use the term budgeting (Spending Plan) but in truth it refers to many aspects of good financial management which is what budgeting (Spending Plan) is really all about.
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Biblical Financial Stewardship example of what it means to be a good steward of the money entrusted to us
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We all know what we see when we look in the mirror and a bank statement is a financial mirror simply showing us what we did. What we also know by looking in the mirror is if we want to change what we see then we have to change what we do!
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It used to be we had three clear sources of funds to pay for our retirement and one of those was a company pension but, many companies no longer provide pensions, but there may be a way to put that third leg back on your retirement stool!
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Monitoring something is not that same as managing something. Monitoring something is like keeping score, managing something is how you change the score!
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When have your first real job and begin your career this is when you need to evaluate your financial toolbox, to assess how you will pay off your debts and meet your obligations and fund your goals within the income you have!
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When it comes to managing your finances It may be that you got busy and just couldn’t spend the time, maybe you just never got control or you don’t know how to get control of your finances. It doesn’t matter how you got where you are what really matters is what you do about it. It may be time to startover to Stop and Reset!
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Worrying about your finances will not change them, only actively managing your finances and changing your habits can get you the rest you need.
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In retirement you can still grow some of your investments, rather than take the standard fixed percent you can get from an annuity. You can make investment changes that can help grow your investments more during retirement and instead of worrying about running out of money you can plan to leave behind an inheritance for your family
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We all want our investments to grow and to have a enough to one day retire. To accomplish this on our own is quite difficult and will take a lot of out time. We now live with highly volatile markets and just like going to a doctor to benefit from his expertise it is wise to use a financial planner for his expertise!
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Today most people will work for more than one employer so what do you do with your 401k when you leave a company? A typical 401k plan has a relatively few investment choices but, with an IRA you have many, many investment choices and you know where your money is. Don’t leave your money stranded in an old 401k plan when you change jobs!
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Much of the debt most people have can be traced back to purchases they made, we call this self inflicted debt. Some debt, though self inflicted, is necessary and having a disciplined approach toward acquiring that debt will serve your best interests. However other debt comes to us by no fault of our own, in life accidents happen, medical bills happen, jobs are lost, so in all cases we need to be able to manage and payoff debt.
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There are some “secrets’ worth knowing and one is that a the minimum payment on a credit card is calculated to keep you in debt for many, many years an easy solution is to stop charging to that card then take the most recent minimum payment and make that your permanent monthly payment. This will pay that card off in a short time and if you can pay more on the debt it will payoff quicker!
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Getting into debt is easy and getting out of debt is hard. Life can provide financial challenges and cause us to go into debt but, most debt is self-inflicted. Debt eats away at our finances and keeps us from funding our goals. If you have determined to rid yourself of debt, you have taken the most critical step! Learning to payoff debt is an essential experience .
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