Posts Tagged ‘finances’
Have you paid your tenure new car this year? Have you thought about if in 2012 you will pay cash holdings or months without interest? Surely not, precisely because it is a tax deductible for owners of new vehicles during the 2011-if you value not exceeding 250,000 pesos, and generally be eliminated from next year. That’s good news for the pocket, but might do well to forget about your finances.
How? Do we suggest paying an expense that we are exempt? Exactly, but not to the Ministry of Finance, but yourself, in the form of saving for a goal.
Think about the last time you finish paying off a loan, your child will eventually graduated and you just tuition or to unsubscribe from a service, what happened to the money you had to pay monthly and is now free? Unless at the time you have given a better fate, it is more likely he’s gone straight to the current expenditure without notice it.
We always complain that we do not have money to spare, but as just an obligation to pay that extra recanalize forget. If you have the discipline to comply with the monthly, annual or as the periodicity of the payment in question, why not keep it to improve our finances?
The idea is to deposit the same payment at the same time we were doing prior to the savings account, but if not so confident in our memory-or discipline-once removed the original payment, we can schedule an automatic deduction from our Internet banking account. It’s simple, most banks have the option to schedule operations and thus, as we instructed that on a certain date the amount is withdrawn and sent to a particular fund or specific account savings this amount will not be diluted with the rest of our daily payments.
No excuses, if this year bought a new car and tenure will be tax deductible when
make your statement in April did not run to spend the balance in favor of extra-or would have paid if he had not taken the measure, and from March 2012 payable sends each holding your savings.
The credit card can be a great tool for managing our finances, it allows us to plan our purchases and have some margin of time for payment, smooth our consumption over time and even record our expenses.
Some of the tips to make the best are:
- Pay on time.
- Take your court date in a visible place. It may be your agenda, but somewhere in the home or office that you see constantly.
- If the cutoff date does not fit the cash flow you have in the month, ask the bank to change it.
- Plan the dates of your payments and purchases to maximize the credit cycle.
- Saves data about your accounts and passwords in a safe place.
- Check your credit report periodically to verify that all data are correct. You can consult free of charge once a year.
- Pay more than minimum payment whenever and as much as you can, then reduce the cost of your debt.
- When you open your account find out about the fees, taxes, insurance and benefits that apply.
- When making payments, do not lose sight of your card.
- Take care of your passwords, do not share and do not carry the card. If possible change them regularly and do not use obvious numbers like your birthday.
- When shopping online verifies that the page count shopping security icons, and the payment page begins with “https:”.
- When making purchases from this ten-month interest you pay and how much accrues you already have on the card to make it manageable. You can find other tips for this topic
- Finally, keep your monthly payments on mortgage loans, including auto-or below 30% of your income, which is a manageable level of debt.