FINANÇAS

Track your financial progress, care and benefits

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1. Track your financial progress Do you know exactly how much your monthly income and expenses are?

Therefore, you need to put everything you earn and what you spend at the end of the pencil, which is better every day.

Other common tools are Microsoft Excel and Google Drive Spreadsheet, for example. Follow the instructions below!

3. Develop a family budget Who hasn’t seen many government negotiations in the news to decide how much to reduce public spending, right? Be aware that these decisions must also be made when setting a household budget – of course, to a lesser extent.

4. Look for other ways to invest your money Don’t wait any longer: invest some of your money!

5. Check financial planning In companies, there is always a budget for that period and, after each phase, a comparison is made between what is budgeted and what is actually spent. You also need to do this at your home to check your budget.

6. Look for another way to earn money If you, even realizing all this, realize that your income is still not enough to cover your obligations, you can look for other ways.

Here are some ideas: On the other hand, when you need to plan a household budget, the process can be even more complicated, considering that there are a number of interests that need to be addressed.

8. Distinguish real needs As with everything in life, when it comes to economics, you have to make a choice. After all, money may not be enough to buy everything we need and then pay our debts9. Use it according to your standard of living Many people struggle to buy things they don’t really need (but don’t really want!). Sometimes the reason for this is to show a higher social status than the real one, even if this creates a debt environment.

10. Discuss Overdue Debts And when it comes to debt, money must be carefully considered.

11Define financial goals Undoubtedly, fulfilling dreams is part of everyone’s life. However, to reach your goals without breaking the bank, you need to break down your goals and make a list of short, medium and long term financial goals.

12. Use your debt wisely Who hasn’t had two or three credit cards, a bank loan and an expensive overdraft on an account.

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