to acquire a healthy economy requires two things, according to Arturo Arques, privatekonom at Swedbank.– I usually say that it is 20% planning and 80% discipline. Here is his checklist – 10 tips which ultimately provides more money.
1. Secure up your earnings
As employees-the cashier and get an income insurance.
2. Känslighetsanalysera big expenses
to Make your a large expenditure. Which of them is most sensitive to changes? Find out what’s happening with your household budgets for example, if the interest rate goes up.
3. Buffertsparande
ranging From the trivial surprises like a broken washing machine to a divorce or long term illness require a buffer. A good starting point, regardless of the type of family you belong to, is two months ‘ salary after tax.
4. Save in front of everything
Regardless of income, ways of saving, mainly, after rent and bills. Customize ago consumption behaviour accordingly.
5. Take to simple aids
the Use of apps that keeps track of expenses.
6. Look over your insurance
A review of the försäkringsläget is a good idea. Compare prices, make sure that the insurance related to home, house, car, accidents, and deaths is updated. Sometimes it can be worthwhile to change companies.
7. Save half the rise
Increase your savings by half of the next pay raise. Then, you will not notice any difference, but the money grows.
8. Never borrow for consumption
the instant Loans and personal loans, with unfavorable conditions are common solutions in order to afford the consumption. But consumption is the opposite of investment. A general rule of thumb is to not borrow money for consumer goods and services.
9. Set new goals
the New target will be the new paths to savings. Plan for what you want to be able to do in years. In the same way in the future, five years, ten years. What expenses can you cut to realize your dream?
10. Sell things that you do not use
Empty your wardrobe, impinging on the furniture, video games, technical gadgets, and the like. It can save a situation and in the best case, put money quickly, in a couple of days.
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