Money and Finance

By: nadia cherubin

Money and Finance:

You should really get your finances together no matter what! First of all, you have to step your game up and save your money. They say that money is the root of all evil, yes true and some people go through their lives without keeping any money and not having a five year plan, and some work pay check to pay check and not putting aside for their future and like the saying goes: money makes the world go round. You should save your pennies and dollars for a rainy day, some people save and some don't. If you plan on taking a vacation or a quick weekend getaway, there are options to choose from when saving.
-Opening up a savings account, holiday club account, or stocks and bonds.

You could basically build off of these things and as the years go by, these funds mature. They say when you have your own business, you have to spend money to make money. True, in a lot of ways because when you think about it. If you need a computer, even if it's a laptop. You'll need that computer to store valuable information instead of on paper because things on paper tend to get lost. You'll need office supplies such as a fax machine, message pads, and you'll need different softwares such as the excel program to do your calculations and your books. You'll need a good bookkeeper that will do your books right and make sure you won't get ripped off by your bookie.
In money and finance, you should invest in the stock market because everyday, the stocks are going up and rising. Although, when people are in relationships and somewhere down the line they decide that they want to get married. They should really get their finances together before anything, because you don't want to get married and still in debt, the marriage will not work because neither one of you will want to be in debt burdening one another with the bills. Get it together first before marriage. Marriage is serious business. You should both talk about your money and how much you're bringing to the table because most people choose to have a Prenuptual agreement and some come into a marriage and have joint accounts together and share everything.
VIP: Make sure you have it together before taking that big step. I knew a guy who left his longtime girlfriend because she didn't have her finances together. But however, when they broke up, she got herself together and now he regrets ever leaving her. Then she realized that somewhere down the line, she had to get her finances together and not for him, but for herself, so that way she could survive and stand on her own two feet. Although, having your finances together shouldn't be a struggle, and you should have and maintain good credit because you never know that somewhere down the line, you might want to buy a house or a condominium and you find out that your credit is wrecked and will not be able to get those two things at all. However, having good credit is very important because there will be times where there will be something that you need and wnat to buy and then you find out that cash can't buy it, just credit card purchases only. When in debt, there's nothing much that you can do and then you can't even obtain a credit card because of your credit history of not paying your bills. In this case, you'll need a pre paid credit card with a visa or mastercard logo on it. Did you ever hat math? Well, if you did then now you know that it came back to haunt you.. Math is used especially for money, finances, and calculations. In this day and age math is used all over, that's why they're accountants, CPA's, and tax consultants. Those are the one's who deal with business, money, and finance and when most people that have thier own businesses usually have accountants and book keeppers to keep track of their money and books. They normally keep valuable information in specific files. They also keep their bosses updated on a lot of valuable information, but beware because if you don't know your math or anything about the financial world and you might get robbed by your accountant. Why? For the simple fact is that they know how to transfer funds in their accounts and easily ripping you off and will lie about financial statements being made and tricking you when all the while you are getting ripped off by your accountant. It's really improtant to know your money and finances. First and foremost, you have to have a financial plan, I'd say more of a five year plan than anyhting else. When in business, you have to have a decent location where poepke won't be afraid to come to where they feel that they are sacrisicing their lives. Deal with a good bank that wioll give you all the details about your business and how you should go about it the right way. Pick a right business that will suit you ex: LLC,DBA, or an INC. and if you're just lookibgn to save money to put aside for futre reasins, you should start stacking your money or maybe evn get a second job if you can take it. Save your coins because you never know when you'll need change. Remember: coins come in handy. If you decide that you want to eat out, don't make it a habit. Eating out should be a once in a while thing to do and you could save money by buying grocerie so you could have leftovers to last you for a few days, and that way you have saved money for that week. It's extremely important to have a job, whether it's doing reatil or whatever. You should save at least $50.00 a week so that way you can have some money for emergency purposes or for whatever you need. You should be financially set and financially independent. I'm pretty sure that most people's dream is to live the in the lap of luxury. But getting there shouldn't be that hard. It's all about sacrifice. Once you start making sacrifices, you'll have everything you need and desire. Some people don't want to walk anymore and just want o drive so they complain all the time like I wish I had a car but no one is doing anyhting about it.

Well, it's like this: If you want to get out of the cold and be behind the wheel of a car then you have to sacrifice and save. It's all about being responsible of oneself. Nowadays, you have to be smart about your money, and where you're putting your hard earned dollars because money doesn't grow on tress. It never has, and never will. Don't you think that if money grew on trees, everyone would be rich because all they would have to do is goand pick a piece from the tree, but it's not that easy, is it! Money has to be made no matter what. So when we get what we earn, we have to be very careful about what we do with out money.

Always remember: Money is Power!

You should use your finances wisely. Ladies especially, you should stand on your own two feet and have your finances together so that way you won't have to depend on anybody for nayhting. Learn to depend on yourself. This is serious: Ladies, never depend on aman, because when worse comes to worse, the woman has to be prepared for the unexpected and some ladies have the habit of depending on aman to do things for them and sometimes people make promises they can't keep so basically, you wouldn't want to depend on a word. If you have bad credit, fix it ASAP.

Remember: Your credit rating affects everything about you. Did you know that with good credit, you can buy anything and it starts off with plastic. You can even rent an apartment with a credit card earning you the respect all because you pay all your bills on time which keeps your credit score high and at the level that it should be. Some poele's credit is so wrecked that they are forced to file for bankruptcy and banning you in the worse possible way ever to getting credit.
Good credit has it's advantages!

People: Are we finally going to take our money and finances seriously or will we just let bad credit and bad money decisions get the best of us!

Money Management
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