CREATING AND MAINTAINING A BUDGET AND 10 DOCUMENTARIES INVESTORS NEED TO SEE

Creating and maintaining a budget finan times. The first step to avoiding financial debt is to create and maintain a budget. It's not as scary as you think, don't worry.

First, make a list of all your monthly income. and a list of your monthly expenses, as well as when determining income List all sources such as allowances, alimony, extra work, etc. when calculating expenses.

Include accommodation, meals, travel expenses, utilities, entertainment, etc. to give an accurate representation of actual expenses. sit on each return and write down the cost Be sure to keep your receipt.

Consider whether your income covers all your expenses. if the answer is no, some expenses should be cut

Adjust expenses. This may mean a small reduction in spending, such as spending on entertainment or mobile phones. If it's more of a shortage, you may need to cut back on your car or housing.

If your income covers all expenses, you can also forego excess expenses. This can add extra money to things like vacations or college money for your kids.

Also consider if you need to add a new category. Some issues that are often overlooked include debt reduction, reserve savings. and savings for retirement.

An emergency fund ensures that there is enough money available for emergencies. This eliminates the need for credit, which can quickly hurt your budget.

There are several benefits to sticking to your budget. First, most people have financial goals they want to achieve in the future. Sometimes it could be driving a new car or going to college. Budgets can help people save money to achieve this goal.

Creating and maintaining a budget nex

In addition, many people are squeezed by huge consumer debt. Without a disciplined spending style, it's nearly impossible to go ahead and reduce debt to that extent. A personal budget provides the foundation you need to start getting rid of those bloated account balances.

Done right, budgets allow people to spend while still putting money into savings accounts. and pay off outstanding debts. Thus, it is most attractive for everyone to build and use it on a limited budget.

Cut costs finan times

It may seem difficult at first to limit your spending and stick to a budget, but there are some practical changes you can make every day. This will cut your costs more than you expect.

First, change the behavior of auto loans. Start paying in cash whenever possible. This will help you avoid buying if you really don't have any money left. If you decide to make a purchase with a credit card, be prepared to pay the balance each month.

This saves a lot of money by avoiding interest payments. If you already have a credit card balance, instead of transferring to a card with a low interest rate, look for a card that has no annual fees.

Another trick is to pack lunch every day. The total dining time spent in a restaurant will increase. Bringing your own lunch can save you thousands of dollars each day. which will increase over time

Use your mobile phone during peak hours. Some people spend several hundred dollars a month on a phone bill. Avoid this by making as many calls as possible during peak hours. Check your service and schedule when you have cheaper or unlimited calls.

Stop throwing away the Sunday paper without reading the ad. Attach the coupon and check the sale. This may seem boring. But the savings is usually worth it. Many stores double or triple the number of coupons. This method can save you $20 or $30 every time you go to the grocery store.

In addition, mortgage refinancing rates were very low last year. This is a great opportunity to drastically reduce the cost of your monthly housing. If you plan to pay for your home before retirement. You may need these factors before refinancing.

Finally, turn on insurance. Many insurance companies offer their customers lower rates if they buy multiple policies, for example, multiple people use the same agent for multiple cars. And some even combine a car and a house.

Always remember that dollars here and there really start to add up. Resist the temptation to think that changing your spending habits won't save you a lot of money.

Start saving finan times!

So you have many bills to pay each month. And wonder how you can start

a savings account for unexpected expenses and other big expenses, in other words, where do you get extra money to use later?

First, when setting your budget, plan your meetings in advance.

Creating and maintaining a budget finan times

The first step to avoiding financial debt is to create and maintain a budget. It's not as scary as you think, don't worry.

First, make a list of all your monthly income. and a list of your monthly expenses, as well as when determining income List all sources such as allowances, alimony, extra work, etc. when calculating expenses.

Include accommodation, meals, travel expenses, utilities, entertainment, etc. to give an accurate representation of actual expenses. sit on each return and write down the cost Be sure to keep your receipt.

Consider whether your income covers all your expenses. if the answer is no, some expenses should be cut

Adjust expenses. This may mean a small reduction in spending, such as spending on entertainment or mobile phones. If it's more of a shortage, you may need to cut back on your car or housing.

If your income covers all expenses, you can also forego excess expenses. This can add extra money to things like vacations or college money for your kids.

Also consider if you need to add a new category. Some issues that are often overlooked include debt reduction, reserve savings. and savings for retirement.

An emergency fund ensures that there is enough money available for emergencies. This eliminates the need for credit, which can quickly hurt your budget.

There are several benefits to sticking to your budget. First, most people have financial goals they want to achieve in the future. Sometimes it could be driving a new car or going to college. Budgets can help people save money to achieve this goal.

In addition, many people are squeezed by huge consumer debt. Without a disciplined spending style, it's nearly impossible to go ahead and reduce debt to that extent. A personal budget provides the foundation you need to start getting rid of those bloated account balances.

Done right, budgets allow people to spend while still putting money into savings accounts. and pay off outstanding debts. Thus, it is most attractive for everyone to build and use it on a limited budget.

Therefore, to increase the understanding of how a person is able to manage finances, the author recommends several documentaries that are all related to financial management and development.

10 documentaries investors need to see

Offers a quick,nice cars,cash,broker, rich leader immoral, these things have in common?

The film industry Finance.

Hollywood has a long history of being an industry that is exciting and interesting, if you don't believe me, to watch movies like wall street and the wolf of wall street

Entertainment is high, but have a clear idea of what it means to be a financial expert. But they often share a reflection distorted of the financial district

But there is a documentary that attempts to show what life is like for financiers and customers

Try a more realistic approach, used by writers and Directors in the documentary create a professional, modern Finance who want to improve their skills, or for professionals who want to enter the documentary, the financial industry is a great way to get information, this is the documentary 10 items, especially documentaries you should see

1. Inside job(2010)

Inside jobs is one of the great documentary, and provide information about the 2008 financial and banking crisis.

Divided into five parts, the film introduces to the audience the change in the policy Bank. near the global financial crisis, let's start with the highlight that the economy is destined to form a bubble during the years 2001 to 2007? What is a crisis of 2008 and who is to blame? Before the consequences

This is one documentary that is dedicated to Finance professionals learn the history of one of the financial crisis, the largest can learn lessons from the mistakes of the past to predict when it will happen again.

2. The merchant(1987)

The best and worst of him the correct 1987 to predict the mental stress based on intuition

Although Jones is very smart, but he is also very superstitious, this highlighted the fact that many people in the financial industry investment rely on luck as well, sometimes it requires courage and analysis in investment decisions at the right

The documentary also have a donation of Jones'time and money to help new Yorkers complete the school emphasizes the importance of giving back to the people. Do not succumb to greed

3. 25 million pounds(1996)

Watch the hit series 25 million people from the true story of nick Allyson merchants, the British at the start of his career as Stanley and his imprisonment broke the law, a dealer Scam brought down the barking Bank of England this Bank Deposit to the ruling class, including Queen really cute also inspired rogue trader movie

According to an interview with Allyson in the early 1990s,the janitor 25 million, making it possible for those found guilty of illegal trading that cost the Swiss Bank UBS$2 billion

One

4-break the Bank(2009)

PBS has a series of documentaries produced under the banner vanguard, including breaking the Bank at the audience. this resulted in nearly$500 billion in funding to banks through the application supports legacy problems(fabric, these funds flow into American banks, it confirmed that is not large institutions only were stranded

As some have pointed out, the push is necessary to allow us banks large from the collapse, some oppose it, said the project will overthrow the independent Institute and capitalism led to the complexity of the banking crisis, the us will help financial professionals do and how the market is free to respond to the crisis

5. Money up(2008)

Investors interested in financial history around the world should have more of the money in the record the substance.

Please note:historian Neil Ferguson, introduced the audience the entire history of the world. from ancient Babylon to the global financial crisis of 2008

This is an in-depth overview of the history of global Finance provides Finance professionals with the annuity, with the aim to achieve this by focusing on key events, such as contract

Babylon futures and utilization by Francisco de Pisa.

Cerro Rico de Potosi silver

Mine Yani Europe

6. Grand order(2002)

High commander:the battle for the world economy to financial experts overview the cover, this film describes the birth of globalization, it is very profound, with the first mention in the film.

Assoc.Dr.Kitti dignity. literary Manager Krung Thai asset management public company limited(Thailand)

To Russia, and over the iron curtain for the first time

The international monetary Fund(IMF)and the speculation of the world Bank

7, the film continued until the end of the 20th century, when rules become common.

Four

Five

7. Life and work(2001)

Life and debt is a documentary about how debt make things happen. Worse, in a small country, how much explains the pressure on EU countries with a film to encourage financial experts foods to consider the pros and cons

Daily and debt also looks closely at the impact of the government and the IMF.

8. Documentary frontline again

Like vanguard:business and hack the Bank,this documentary emphasizes the 2008 financial crisis,the recession, the largest from mental stress best in the midst of a crisis 2008. But it is a matter of cause and effect.

9. Warning(2009)

For financial experts warning shows that the financial crisis. the film is based on the 2008 financial crisis, but look at it from different angles, trade futures that call for tougher rules to alleviate the crisis.

10. The movie(2010)

Even if the guy is not a film about the financial industry, but it has opened up a lot of used sources seemingly random, this documentary shows that there is no reason and the connection between them financial security means to deal with what the driver (*)