Four little words that so many of us can relate to ... "How Much Is That?"
Greet the day when you no longer check the prices on the menu to see how hungry they are, or if you like steak or salad? Did you look forward to the time when your family on the holiday they want, not those who can afford it can take over. If you use the car, buy the house, the support of charities and live the life of your dreams.
Have you longinglystrive for that day or you have taken so many hurdles that you have lost the vision, and find that you no longer plan or even more, you can hope and dream?
According to the findings recently published survey, the finances always, to the 2008 New Year's resolution list was crowned with the recurrent favorite, "weight verlieren''Beendigung distant seconds.
Wizard Home Loans surveyed more than 300 employees and 40% showed their finances in the first order as the number onePriority for 2008, which voted 28% to lose weight. Citibank conducted research to determine the year that were over 33% of Australians worried about their financial future. Their research also showed slightly more than 20% of the population had enough savings that they get beyond three months if they lost a job. CXC Research surveyed 400 Australians and found 29% were worried about their financial future and set aside 22% rarely, if no money paid. They found 19% of AustraliansOnly last week on their current savings if they lost their jobs, 45% up to a month and only 23% would be more than three months.
It seems that regardless of who leads the surveys, the message is the same. The vast majority of people in financial crisis and do not realize, unfortunately, there was a problem until they got into financial trouble, and then it's too late.
Can you believe Christmas has come and gone? During theHolidays were all funny, had enjoyed the sumptuous meals, the drinks were plentiful, the gifts were graciously given and received. However, it is now February and the food has been migrated to your hips and the pounds that you are trying to solve and the presents are wrapped. But now that you spent the money is due on your credit card and you crawl, how do you go have the balance and fearing a mistake, by the testimony wondered where it all went to see?
Did you know in2007, the majority of Australians spent more than equal to 110% of their annual revenues in 2008 and they predict it rises to 121%.
Did you overspend last year, you have managed to separate some money? How long would survive in a financial crisis ... a week, a month, a year? Instead of thinking, get out of your computer and what are your annual costs and divide by 12, to give you a monthly amount. First you will share your savings in the monthly amount and expensesknow exactly how many months you survive without having to pay.
If you do not know what your annual expenses, and if you have no savings, then this is part of the larger problem, namely that "you manage your money," but you are dangerous to live from pay to pay.
Consider which currently consists of the five fiscal years, you fall into the categories below and decide today to what category you want to work for the realization.
FinancialCrisis:
I have no savings
I live from month to month
I spend more than I deserve
I consistently rely on credit to me by
I have to pay more than two credit cards and use one to the other.
Financial Stability:
I live in my means
I have sufficient savings to cover three months of my basic living conditions, including the expenses, the mortgage / rent, car, debt, rates, water, insurance, utilities and food
Three months is asStability, because that's how long it will find the average person to another job if they lose. If you think that due to circumstances, it you would more than 3 months, then you have the level of savings to meet monthly increase.
Financial Security:
I have sufficient savings or invested capital (ie property and / or shares) at me an income of 12 months after my basic livelihood be denied.
Financial independence:
Isufficient capital to work without ever again to me with a yearly income after 12 months of my basic living expenses and my current lifestyle products such as holidays, gifts, entertainment, clothing, sports, hobbies, health, personal letter personal care, beauty, subscriptions and memberships, etc.
Financial wealth:
I have sufficient investment capital without having to work ever again, to create an infinite source of income so that I can live the lifemy dreams, without restrictions and without ever asking the four little words ... "How much is it?"
For some of you, the state of your financial management has a concern for some time. Unfortunately, for others it is the first time you actually counted, and it is more than a shock. Either way, one can not continue to live day by day with your head in the proverbial sand and ignore the situation.
Luckily, we no longer live in the world from our parents about a "Job for life "are in our economy, we traded security for flexibility and choice, but now cutbacks, layoffs and terminations of everyday life. I'll ask you again, how long would you survive if you lost your job? If ( or your wife) pregnant and had to work early because of complications to leave. If you unexpectedly had to take a family member in need. If you or your family hurt in an accident or ill and did not need to complete, expensive treatment not covered to public health care?
At least you should always "pay themselves first" and put 10% of your salary every month as savings for unexpected situations, and another 10% to invest in your financial future. Personally, I think you should also aim at 5% support for aid agencies to an account you set.
When these surprises, and you think that you can hardly afford to live on 100% of your salary let alone 75%, then how you plan to survive if you are a hit> Financial bump in the road?
Love is often put in the same basket as savings or investments, it is a day on the list or on ice until I have spare money. However, if you do not contribute to a local charity that's on your mind because you think you can not afford it now and start planning when you get the next pay rise, then you've probably never do. If you do not give 5c, if you earn $ 1.00 a child, $ 50, if you earn $ 1,000, as a teenager, why do you think willsuddenly to $ 5,000 if you earn $ 100,000 as an adult?
Did you know, it costs only $ 43 per month through World Vision to sponsor a child in need and give them to his life back. Consider this only a $ 3 coffee a day at work, free to $ 60 per month, or packing your lunch once a week off instead of spending $ 10 to $ 480 per year. It is a question of mine are planning your annual expenses and check your priorities.
Now I have you for getting this much praise ... because I know that money and finances is not everyone's favorite subject, and this has a lot to digest. You may even be tempted to not get to the computer and you work your personal financial situation, forget trying to have what you just read. Unfortunately, according to Oliver Wendell Holmes declared a mind once expanded by a new idea can never be returned to its original dimensions, so it is no longer possible to blissful ignorance back.
So if you are one of the 80% who live in "> The financial crisis "and want to gain control of your finances, learn how to manage your money and create a plan for your financial independence, please use the appropriate action today and a visit www.propertyempowerment.com Financial Overhaul and You can manage your finances and your life back on track.
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