Through these points, have the facility to plan your spending, deal with contingencies that are submitted, meet their financial goals and save, so you can have peace of mind for you and your family.
1 .- Check your heritage. Subtract all such properties as the total of what you do not have or what you owe. This operation will result in an amount of money, which could be your family budget. Perform this exercise every month to determine if the actions you are taking are the right ones to improve their personal and family economy.
2 .- Learn to organize. Be aware that the main thing is to pay its debts, rather than pretend to save money.
If at this point is a debt that charges low-interest, analyze, and if your financial plan allows, is probably not necessary to pay all of it to be capitalized and not spend that money to other areas, such as saving. Decide what issues are top priority, which are closer to achieving that more appropriate and enforced.
3 .- If possible, try not to spend the money you receive will increase or additionally, for example, was paid money that was paid a bonus for productivity, profit sharing, overtime, bonuses, etc. Best save it!. 4 .-
Reserve a portion of your money for emergencies. It is very important to have a certain amount of money available to cover emergencies as: medical care of some member of his family preference, make sure that this money is invested in a bank account that is safe and who may use the money in a suitable time and earn interest above inflation. If you use this money only for emergencies and contingencies, will help you not to make "money saved" in "cash for emergencies."
5 .- Consider investing your money on insurance. If you intended steadily as part of your monthly, quarterly or semi, a certain amount of money to keep you protected your home, family health, car, and your most valuable possessions, when they are submitted unfortunate event that your insurance covers, will not be in financial trouble. Update your policies at the right time, consider the inevitable are the few things that are not planned and may damage its economy and financial plans.
6 .- Use your credit card properly, try not to use a lot of his or her credit card, remember they are for the unexpected or seize any opportunity that is offered them. Take only the necessary and use sparingly.
7 .- If you do not deposit their salary in a payroll bank account, open a savings account or checking account, depositing your salary and organize your money through your account, and not spend it all at once and it can be manage the best way.
8 .- Consider and evaluate all potential sources of income and if you can find new ones, for example, consider the possibility of starting a new business, to sell what you no longer use and even calculate the amount of your pension.
9 .- If the case permits, it is best to plan and manage the family finances with your partner, so both will be aware of the movements of his money and etre both can give good and better ideas to use it. 10 .- Coordinate
if you have it, with your advisor responsible for keeping their family finances and together review and monitor bank statements, receipts, investment reports, contracts, dates expired insurance policies, etc..
11 .- Believe it or not, it is important to keep in mind and determine how much you have in your Afore he retires.
Do the math according to your current salary and assuming that it is constant, with the increases that will logically about the economic situation of the country also think that if prices increase, increase your salary.
Find out how much you have already accumulated so far and if its Afore has not deposited a large amount of resources it can be because you are very young or have little time to contribute in this system. All this must look to project the number of his retirement at the time of retirement. If in doubt, consult your particular case with the consultant Afores.
12 .- Investigate options that will help to increase the money they receive at the time of his pension, for example by hiring Afores or life insurance or an independent retirement plan.
13 .- Confirm your credit history, so you know if you can get credit at the time required and according to their plans, goals and objectives.
14 .- If your credit history is not very good, then do everything possible to improve pay what is necessary.
15 .- If you pay taxes as an employee, always stay current, and that a statement outside the time limit can cause a serious imbalance in its finances, as well as the amount you will pay, will have to cover fines and fees accrued.
16 .- You might think it's too early, but better and more importantly, have your will ready, so you can make in life that your equity is in good hands, plus it will prevent their loved ones, which have to perform lengthy and costly procedures.
17.-Keep in a safe place all your important documents like account statements, contracts, insurance policies and everything else related to your finances and that has to do with his family. It is very important that your spouse is even aware of this place, so you can find them in a time of emergency.
The place can be a safe at the bank or at home, also have handy a copy of them elsewhere, because if for some reason the originals were destroyed or lost, the copies need to do the paperwork and verify their authenticity.
18 .- Always be prepared to face any situation, of course nobody wants to go through a divorce or death in the family, but it is better to be cautious.
19 .- Get help if you feel unable to comply with these tips to improve their personal bond, get close to someone you trust and who also has knowledge on the subject, as a financial advisor.
20 .- Do not be left with doubts about how to manage your money or your adviser is doing, rinse, research and never invest in anything you do not know or do not understand. And if in spite of this you can not feel calm, do not hesitate to ask for other opinions or take their money elsewhere.
1 .- Check your heritage. Subtract all such properties as the total of what you do not have or what you owe. This operation will result in an amount of money, which could be your family budget. Perform this exercise every month to determine if the actions you are taking are the right ones to improve their personal and family economy.
2 .- Learn to organize. Be aware that the main thing is to pay its debts, rather than pretend to save money.
If at this point is a debt that charges low-interest, analyze, and if your financial plan allows, is probably not necessary to pay all of it to be capitalized and not spend that money to other areas, such as saving. Decide what issues are top priority, which are closer to achieving that more appropriate and enforced.
3 .- If possible, try not to spend the money you receive will increase or additionally, for example, was paid money that was paid a bonus for productivity, profit sharing, overtime, bonuses, etc. Best save it!. 4 .-
Reserve a portion of your money for emergencies. It is very important to have a certain amount of money available to cover emergencies as: medical care of some member of his family preference, make sure that this money is invested in a bank account that is safe and who may use the money in a suitable time and earn interest above inflation. If you use this money only for emergencies and contingencies, will help you not to make "money saved" in "cash for emergencies."
5 .- Consider investing your money on insurance. If you intended steadily as part of your monthly, quarterly or semi, a certain amount of money to keep you protected your home, family health, car, and your most valuable possessions, when they are submitted unfortunate event that your insurance covers, will not be in financial trouble. Update your policies at the right time, consider the inevitable are the few things that are not planned and may damage its economy and financial plans.
6 .- Use your credit card properly, try not to use a lot of his or her credit card, remember they are for the unexpected or seize any opportunity that is offered them. Take only the necessary and use sparingly.
7 .- If you do not deposit their salary in a payroll bank account, open a savings account or checking account, depositing your salary and organize your money through your account, and not spend it all at once and it can be manage the best way.
8 .- Consider and evaluate all potential sources of income and if you can find new ones, for example, consider the possibility of starting a new business, to sell what you no longer use and even calculate the amount of your pension.
9 .- If the case permits, it is best to plan and manage the family finances with your partner, so both will be aware of the movements of his money and etre both can give good and better ideas to use it. 10 .- Coordinate
if you have it, with your advisor responsible for keeping their family finances and together review and monitor bank statements, receipts, investment reports, contracts, dates expired insurance policies, etc..
11 .- Believe it or not, it is important to keep in mind and determine how much you have in your Afore he retires.
Do the math according to your current salary and assuming that it is constant, with the increases that will logically about the economic situation of the country also think that if prices increase, increase your salary.
Find out how much you have already accumulated so far and if its Afore has not deposited a large amount of resources it can be because you are very young or have little time to contribute in this system. All this must look to project the number of his retirement at the time of retirement. If in doubt, consult your particular case with the consultant Afores.
12 .- Investigate options that will help to increase the money they receive at the time of his pension, for example by hiring Afores or life insurance or an independent retirement plan.
13 .- Confirm your credit history, so you know if you can get credit at the time required and according to their plans, goals and objectives.
14 .- If your credit history is not very good, then do everything possible to improve pay what is necessary.
15 .- If you pay taxes as an employee, always stay current, and that a statement outside the time limit can cause a serious imbalance in its finances, as well as the amount you will pay, will have to cover fines and fees accrued.
16 .- You might think it's too early, but better and more importantly, have your will ready, so you can make in life that your equity is in good hands, plus it will prevent their loved ones, which have to perform lengthy and costly procedures.
17.-Keep in a safe place all your important documents like account statements, contracts, insurance policies and everything else related to your finances and that has to do with his family. It is very important that your spouse is even aware of this place, so you can find them in a time of emergency.
The place can be a safe at the bank or at home, also have handy a copy of them elsewhere, because if for some reason the originals were destroyed or lost, the copies need to do the paperwork and verify their authenticity.
18 .- Always be prepared to face any situation, of course nobody wants to go through a divorce or death in the family, but it is better to be cautious.
19 .- Get help if you feel unable to comply with these tips to improve their personal bond, get close to someone you trust and who also has knowledge on the subject, as a financial advisor.
20 .- Do not be left with doubts about how to manage your money or your adviser is doing, rinse, research and never invest in anything you do not know or do not understand. And if in spite of this you can not feel calm, do not hesitate to ask for other opinions or take their money elsewhere.
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