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Managing Finances – What You Need To Know

Financial stability is the key to leading a happy and content life. It is not possible to live peacefully when you are always stressed about paying your rent and bills. It is important to learn to manage your money so that you do not have to worry about dealing with daily financial needs or even the emergencies. If you are not a good manager then no matter how much you earn, you will find yourself struggling. Good management will keep you away from a lot of stress.

There are several ways of knowing that you are in a sound financial space because you are doing a good management job.

Having A Good Credit:

A credit score is not the most crucial factor in determining the health of financial management, but it is an indication that you are managing the finances skillfully. It shows that you do not have a deal with any significant debts and you are capable of paying all of your bills without any delay. If your credit is not where you want it to be then, you can always hire credit score services so that you can improve it. If it gets better with time, then it means that you are a good manager.

Keep A Budget:

If you have a monthly budget and you are having no difficulty in staying within the budget, then it means that you are doing an excellent job of maintaining the finances. No matter how small or big your income is, keeping a budget is the best way of making sure that you are not overspending and going into debt that you cannot afford to pay back.

Are You Saving Money?

If you are managing to save even a little bit each month, then it is a sign that you are a sound financial manager. If you are managing to save money, then it means that you are on the right track. Savings are the best way preparing for an emergency situation. If you have saved up for a rainy day, then you will not have to take a loan. Loans can always put extra stress on the finances so if you have money in the bank then you will not have worry about loans.

Use Credit Card For Convenience:

Credit cards can be an excellent financial tool if you are using it in the right way. If you are using them just because they are helping you in saving money and getting discounts, then they are good for personal finances. If you are using the credit cards to pay for things that you can afford to pay cash for, then it is a sign of healthy finances, and you are on the right track of managing your money in the best way.

Clean Financial Record:

You are a good manager if you have a clean and clear financial record. If you are meticulous about all the payments that you have to make, then you are doing a good job of taking care of your finances. If you owe anyone any money, then you should be clear on how much you owe because it shows your responsible attitude. You should also be able to get rid of the debt without toppling over the monthly budget.

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Comment by Arlene Johnson on August 1, 2017 at 8:14am

If you're in the United States, google and read the Dodd-Frank bill that congress passed some years back. Briefly, it gives the government the ability to confiscate your savings. It was passed because previously the government obtained money from the taxpayers when banks failed. That was not acceptable to citizens organizations so the next step was to take money from those who save.

With the US debt at $20 trillion, it is just a matter of time before the economy crashes. The only way to survive that is to own precious metals (gold or silver). If you don't know of an honest dealer from whom you can buy them, which should be only American coins to avoid capital gains tax, contact me; I will tell you where one of my supporters bought some. It's a company in Colorado. Silver is quite inexpensive as there are entities that are keeping them artificially low. When the economy crashes, they will skyrocket.

God bless the American people,

Arlene Johnson


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