Financial Planning Guide for Disorganized

Lack of Finance Guide can detonate your accounts and achieve your goals. If you are disorganized at that level you barely know if the account is in the red, know Finance Guide that it is more than time to put it in order.

We are going through a period of crisis, unemployment and inflation. Only the latter makes your money lose more and more buying power, that is, that same shopping cart that you made a few months ago is not so full today with the same value that you spent.

So, let procrastination go by and take some finance guide, according to your need or level of disorganization, and start doing the financial planning correctly.

1. Put all accounts in one place

It's no use telling us you need to figure out your spending and come out doing spreadsheets. The first step is to define a place, be it a drawer, a letter holder near where you leave your keys, anyway. Start putting all charges like water, electricity, telephone, pay TV in one place. In the next few tips you will understand why.

2. Open your accounts as soon as you receive them

It is common to take the invoice from the card and leave it aside as the payment will only be made after receiving your salary. This is a classic mistake. If you do not have an organization, you probably will not remember that area ticket paid in 12 times that accumulated with that cell divided by 10. When you open the invoice as soon as you arrive, you will see how much you should in the period and will have notion of the impact on your budget.

3. Get receipt and invoice for everything

Separate a special place in your wallet or purse for all debit and credit card receipts and always require the invoice.

4. Put your bills on paper

To not forget or skip this important activity, program on your cell phone a day and time that you are free to organize what we said above. Take the bills from the week you received and the paperwork you spent and note what each spend is and the amount on a paper, spreadsheet or something.

Add up, see how much you spent and repeat the process the following week. You will begin to notice where you are spending more and what you spent on impulse. Once you create the habit of doing this control, you will see that you can do this every fortnight or even once a month.

5. Remember the due date of the card as if it were your mother's birthday.

This subtitle may sound like a joke, but if you cannot or do not want to give up your credit card, take this very seriously. That's because if you do not remember that date, all your spending will be thrown for the next due date and there are great chances of starting the month with a massive debt you never imagined you would have.

Posted on June 13, 2018 at 02:30 PM

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