8 Easy Tips to Organize Your Finances

Although it may sound trivial , financial management was not as easy as you think . Because , you are always out of breath to survive until the end of the month . Here it is 7 easy tips to manage your finances better .

1.Ensure appropriate salary and your value
The main capital for good financial arrangement is to make sure you have enough income . This course begins with ensuring your salary commensurate or according to your values ​​. If the salary is too low than you should have received with the educational background and skills , you may have to think to apply for new jobs .

2 . Spending must be less than the salary
Make sure you are spending or spending much less than your income . How small your income , you should still have to spend less than you can . Make loans and credit cards as a last resort.
3 . Faithful to the budget
Make a spending plan and treat it like a lover's plan . Be faithful to the budget that you have created and avoid sudden expenditure outside the budget . Write down all the expenses that you make.
4 . Pay Credit Card Debt
Although credit cards are seen as an easy shortcut , you are likely to hurt yourself by delaying paying credit card . If you are forced to use a credit card , make sure you pay it off immediately .
5 . 10 % salary tube
The first thing you should do when receiving a salary is set aside 5 % to 10% of your salary for savings . It would be better if you could create a separate special account that will debit the money directly from your checking account each month .
6 . Maximize the benefits office
Maximize benefits and office policy to save on your expenses . For example, health care such as eyeglasses and dental expenses , pension funds or reimbursement for the days off that you could not take. Although the bureaucracy can be a hassle sometimes , additional funds could certainly be useful for your finances .
7 . Join the pension fund
Some companies have pension plans . Do not waste the program and take part . That way , you have extra savings for your future later . Because usually deducted directly from salary , you can save for retirement is more orderly .
8 . investment
If you still have more money after saving and paying bills , try to invest your money . Consult an expert or do a little survey before you decide where you are going to invest your money .