2012 Financial Resolution
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2012 Financial Resolution -- Every early people used to make resolutions. Resolution is what are the things you want to accomplish at any given time. Because this is 2012, then the resolution you make of course is a resolution for 2012.
There are a variety of resolutions, ranging from the resolution of career, family, friendship, until about love. One of the most widely resolution people make is whatever they want to accomplish in 2012 is financial management.
There are many examples, ranging want a new house, buy a new vehicle, open your own business, no longer wasteful, or anything related to finance. In principle, only five things you should do this in 2012 so that your finances could be better this year.
Or conversely, if you are now a freelancer, should move to large companies by being an employee? Do you need to close your business? You can also still decide to be an employee, but moved to another company.
There are many factors that can be included in your calculation, such as how to comfort and your work environment, your income may be large, up to the possibility that income increases in the future.
If you usually work just to earn money, it is time you start working to make the asset. What assets? Of course that could be producing assets to provide income for you.
Examples of productive assets of the simplest of course is the deposit. If you have 10 thousand dollars, you can put it in the form of bank deposits, so he gave interest to you.
That was to be called a productive asset, even if the current deposit rate can be small, but in principle, it was a productive asset. Purchase obligation is also an act that fits.
Another example? Build or buy a house, then your house was rented, the rental income you get every year or every month it also shows that the house can also be a productive asset.
It has often we see a lot of discount events that make you have to queue up for hours, seizure of goods with other visitors, and even forced to buy things that really kind and size does not fit you, but you keep buying stuff just because it's also more discount, with never mind the notion that yes, someday I will definitely wear this stuff, too.
There are three events that are often very troublesome sale because it rush and makes you sometimes have to fight for stuff with other people, or even queue for long: (1) Sale at the mall, (2) Launching of electronic goods, and (3) Exhibition.
Set aside at least 10 percent of the income that you get to put into securities products such as savings deposits in banks, mutual funds, unit links, and even you can also buy hard assets like gold every month. If your income $3000 a month, set aside a minimum of $300 per month to saving. Let it be more, not less so.
That's five 2012 Financial Resolution things you should do in 2012. Simply by running five things that, hopefully your finances could be better this year. And as you know, its part of how to learn financial quotient. (*)
There are a variety of resolutions, ranging from the resolution of career, family, friendship, until about love. One of the most widely resolution people make is whatever they want to accomplish in 2012 is financial management.
There are many examples, ranging want a new house, buy a new vehicle, open your own business, no longer wasteful, or anything related to finance. In principle, only five things you should do this in 2012 so that your finances could be better this year.
Determine Source of Income
The first thing you should do is to re-evaluate your income sources that has been acquired along the way. That is a source of income here is what you do to be able to get income. We are talking here of course is a profession. If you are an employee, whether you need to move out to be a freelancer? Or it necessary to open all your own business?Or conversely, if you are now a freelancer, should move to large companies by being an employee? Do you need to close your business? You can also still decide to be an employee, but moved to another company.
There are many factors that can be included in your calculation, such as how to comfort and your work environment, your income may be large, up to the possibility that income increases in the future.
Create a Productive Asset
Examples of productive assets of the simplest of course is the deposit. If you have 10 thousand dollars, you can put it in the form of bank deposits, so he gave interest to you.
That was to be called a productive asset, even if the current deposit rate can be small, but in principle, it was a productive asset. Purchase obligation is also an act that fits.
Another example? Build or buy a house, then your house was rented, the rental income you get every year or every month it also shows that the house can also be a productive asset.
Carefully with Bid of Consumptive Items
I never believe it if you see someone who would do anything just to get big discounts on consumer goods they want to have. Actually there is nothing wrong with sale events or discounts, but some of the events such discounts are often very troublesome if you are taking.It has often we see a lot of discount events that make you have to queue up for hours, seizure of goods with other visitors, and even forced to buy things that really kind and size does not fit you, but you keep buying stuff just because it's also more discount, with never mind the notion that yes, someday I will definitely wear this stuff, too.
There are three events that are often very troublesome sale because it rush and makes you sometimes have to fight for stuff with other people, or even queue for long: (1) Sale at the mall, (2) Launching of electronic goods, and (3) Exhibition.
Start Monthly Investment
Many people wait for big money then they moved to new saving and investing. Instead you are waiting for big money to come first, why you do not routinely make investments on a monthly basis? From now on, do a monthly investment of regular income you get.Set aside at least 10 percent of the income that you get to put into securities products such as savings deposits in banks, mutual funds, unit links, and even you can also buy hard assets like gold every month. If your income $3000 a month, set aside a minimum of $300 per month to saving. Let it be more, not less so.
Selective Credit Bid
There are various forms of credit. One of the most frequently offered credit are loans without collateral. To be honest, rather than loans without collateral, I prefer credit through credit cards. More simple, more flexible pay as well. And, try to prioritize taking your credit for the things that are of priority and importance, such as opening a business, buy a house, or buy vehicles that do you wear to work.That's five 2012 Financial Resolution things you should do in 2012. Simply by running five things that, hopefully your finances could be better this year. And as you know, its part of how to learn financial quotient. (*)
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