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Tips for personal finance

Posted on February 26, 2007
Filed Under Iklan |

I’d like to share with you a great tip to better manage your personal finance. The first thing is to NOT HAVE ANY CREDIT CARDS. but if you already have one, then may i suggest you cut them up? And if are the kind who prefer the convenience of that little plastic over cash, then you must be really disciplined and remember to pay your credit card statement in full when it arrives every month. Dont ever let it accumulate interest as it can be very high.

Many of my friends have the habit of repaying the minimum amount when their credit card statement arrives. At the end of the day, they are paying a very high price for the item which they initially purchased. If you fail to make your repayment, it will reflect on your credit score. And when you need a loan or mortgages from the bank next time, you will find that they will not approve your application based on your lousy credit score.

So, it’s imperative that you manage your personal finance well with these few simple tips. Just dont spend beyond your means and buy only necessities. Invest in insurance when young so that you get protection as well as as a return upon maturity. Dont burden your family members as medical bills can be a real nightmare and many die cause they do not have medical insurance to cover for their medical treatment. I hope these few simple tips can help managing your finances and your life better.

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