Loi Des Finances 2009

The recent credit crunch shock and the fallof the economy has highlighted the importance of taking control of your moneyand making sure you have some savings for the future.

It's easy to say that watching the pennieswill mean you have more pounds, but it's not nearly so easy to do. Credit cardsand easy loans are tempting, and many people don't even really know how muchmoney they owe.

Here are a few tips to help you takecontrol of your finances and avoid the knock of creditors on your door thisyear.

Budget

Take a long hard look at what you earn andhow much you spend: some expenses can't be helped, but others can be. Having abudget means that sometimes you just need to wait a little before you can buy whatyou want, not that you can't have it at all.

Save

Save as much as you can. Open a goodinterest bearing account and put away as much as you can every month, even ifit's just a few pounds. Cut down on your expenses, and look for cheaper optionson the things you can't avoid. Home insurance, car insurance andutility bills need not cost you as much as they do, so look around for cheaperoptions.

Protect

Assessing your risks and keep your moneysafe. Lock up the house, look after your car and assess your chances ofsuffering from identity theft. For comprehensive protection, consider signingup for an identity theft protection service.

Grow

Increase the value of your investments andaim to build a diversified investment portfolio. Review your investmentscarefully and evaluate the long-term viability of each. Speak to your bankmanager about the best options.

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Loi Des Finances 2009