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How Can I Make My First 10k Money Expert Advice
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Personal financial management is a subject that is not taught in many schools, but is something that nearly everyone has to deal with in their lives later on. Americans do not have a retirement plan in place for how they’ll manage their finances when they get old. For one month, keep track of all your expenses. Save all your receipts, make note of how much cash you need versus how much you expense to credit cards, and figure out how much money you have left over when the calendar turns. After the first month, take stock of what you spent. Categorize your purchases in a way that makes sense to you.
Now, write down your actual budget. Based on the month of actual expenses — and your own knowledge of your spending history — budget out how much of your income you want to allocate to each category every month. If desired, use an online budgeting platform, such as Mint. In your budget, make separate columns for projected budget and actual budget. Many people leave significant room in their budget for savings. You don’t have to structure your budget to include savings, but it’s generally thought of as a smart idea. Be honest with yourself about your budget.
It’s your money — there’s really no sense in lying to yourself about how much you’re going to spend when making a budget. The only person you hurt when doing this is yourself. On the other hand, if you have no idea how you spend your money, your budget may take a few months to solidify. Keep track of your budget over time. The hard part of a budget is that your expenses may change from month to month. The great part of a budget is that you’ll have kept track of those changes, giving you an accurate idea of where your money went during the year. Setting a budget will open your eyes to how much money you spend, if they haven’t been opened already.
Setting a budget will also teach you that you never know when you’ll have to pay for something unexpected — but that the unexpected will come to be expected. You obviously don’t plan on your car breaking down, or your child needing medical attention, but it pays to expect these contingencies to happen, and to be prepared for them financially when they come. How much money you spend every month. When you record how much money you spend every month, you are writing down your actual budget. How much money you plan to spend every month. Your projected budget will help you to stay under cost, so be realistic and try to meet those goals. How much money you put into savings.
Your projected budget does not refer to how much money you put into your savings. It’s a great idea to have a savings account, but don’t make your monthly savings contributions so high that they cause you stress. How much money you will save from this month to next month. When you accurately record your actual budget from month to month, you gain a better understanding of where your money is going and how to prevent frivolous spending in the future. The projected income won’t tell you how much you save.
How often have you bought a DVD only to have let it collect dust for years, without using it? Books, magazines, DVDs, tools, party supplies, and athletic equipment can all be rented for smaller amounts of money. Renting often saves you the hassle of upkeep, keeps room in your storage, and generally causes you to treat items better. If you have the money, pay a high down payment on your mortgage.
For many people, buying a home is the most costly and significant payment they’ll ever make in their lives. For this reason, it helps to be in the know how to spend your mortgage money wisely. Your goal in paying off your mortgage should be to minimize interest payments and fees while balancing out the rest of your budget. See if you can’t make bi-weekly payments instead of monthly payments. Instead of making 12 payments on your mortgage in a year, see if you can’t make 26 payments on your mortgage instead. This will allow you to save thousands of dollars, provided there aren’t any fees associated with it. Talk with your lender about refinancing.
If you can refinance your loan down from 6. You could knock off years on your mortgage. Understand that owning a credit card may be very important for establishing credit. A credit score of 750 or above may unlock significantly lower interest rates and opportunities for new loans — nothing to sneeze at. Even if you rarely use the credit card, it’s important to have one. If you don’t trust yourself, just lock it in a drawer.
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Treat your credit card like cash — that’s what it is. Shoot for a low credit utilization. A low credit utilization means that the debt you put on your credit card is proportionally low to your overall limit. 2,000, the ratio of your debt to your limit is very low, about 1:10. Spend what you have, not what you hope to make. You may think of yourself as a high earner, but if your money doesn’t back up that statement, you’re shooting yourself in the foot acting like you are.
The first and greatest rule of spending money is this: Unless it’s an emergency, only spend money that you have, not money that you expect to make. What is the benefit of prepaying your mortgage early for the first few years of ownership? The value of the house may decrease, so you’ll owe less. Unfortunately, you’ll have to pay what you agreed to for the house, even if it does lose some of its value. There is still a benefit to prepaying early in the beginning, however. It will lower your credit utilization score. Your credit utilization refers to the proportion between your credit card limit and your actual spending habits.