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3 Steps To Help Manage Our Money

Jul 30, 2015

By Roberto Figueroa

Everywhere we go we hear about the importance of managing our money, and as we venture further into the complexities and routine of adult life, we discover that it is an important discipline to learn and master. Here are three steps we can take to set us on the right track.

Establish Goals
Goals help us focus our energy and effort. They give us an incentive to sacrifice certain things in order to achieve what we have set out to obtain. If we think about it, we are more likely to use those extra 50 dollars wisely if we are saving up or looking to invest it in something that will help us reach a goal. Goals could be anything from a new car, remodeling your home, paying off loans, to going on a vacation you normally wouldn’t be able to afford.
We begin doing this by first making a list of our goals and jot down where we would like to be or what we would like to acquire a month, a year, or five years from now. Then, let’s think about what are the most important things on our list and think about how to get there.

Evaluate
Now, let’s try to think about the ways we are using our money. Are we being wise? Are there ways we can cut back some of our expenses? Something as simple as eating at home more often instead of eating out can make a significant difference.

Budget
Though it can be tiring to hear about budgeting, it’s an effective way to insure we have enough money to pay the bills. But too many of us stop there. Once the bills are paid and we have dealt with our obligations, we stop managing our money and spend (or sometimes waste) the rest. Now, everyone has the right to enjoy what he or she earns, but creating a budget for the left over money, and placing a limit on how much to spend, is a good way to make sure we are not overspending. It also keeps us from living from paycheck to paycheck, a life style that can generate unwanted stress and insecurity.

Sources:
Twocents.lifehacker.com:
http://twocents.lifehacker.com/how-­‐to-­‐budget-­‐when-­‐you-­‐re-­‐broke-­‐1561620381 Money.cnn.com:
http://money.cnn.com/pf/money-­‐essentials-­‐financial-­‐goals/
Mymoneycoach.ca:
http://www.mymoneycoach.ca/money-­‐management/set-­‐financial-­‐goals

Roberto Figueroa is Graduate of Full Sail College
Master of Fine Arts in Creative Writing

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Remodeling Tips to Refresh Your Home

Jul 19, 2015

If you have not done anything for years to refresh the visual appearance of your home it is time to reward yourself and your home by freshening it up. Many people tend to undertake big improvement projects pretty occasionally. Do-it-yourself project or a professional contractor – the choice is your but there are some pretty small things that can really make a huge impression.It is important to mention that many people aim at ecologically friendly home improvements. Going green in your home is not only about changing your housekeeping practices. Still, for green house cleaners London has many sensible solutions. Whether installing a solar panel, changing the light bulbs or simply having a nice green lawn to grow your own organic food, it is certainly a good idea to think of doing something green for your home and family.

house plants

The first thing is that a project should never be started without having a clear plan of what you want to improve, how and then – the way of proceedings. It may be a new flooring, installing carpets or deep cleaning the old ones, repairing your terrace and balcony and many more. Never rush into repairs as many people tend to make the mistake to not research their contractor well enough and blindly trust the company. Asking person who has experience and is satisfied with the work done it is a good idea on how to find the best one. Next up, if you are about to hire the contractor, the company’s representatives must remember you to carry out an inspection to assess the work to be done, how long is needed for the project to be finished, and more. You can always ask for opinions and solutions for a particular repair or for the overall appearance.

Then, it is all about the budget. This is the only thing left for consideration before actually starting the process. Make sure you calculate everything perfect and always remember to have some extra money for unpredicted circumstances. A common mistake is to start improving your home without being sure if you are going to fit in your budget.Interior improvements significantly depend on the type of furniture, wall paint and accessories chosen. Fresh paint can really make your home shine.

Then, it is not all about the appearance of your furniture, it is about comfort and convenience. If everything fits and there is enough space left around the rooms, then your choices are right. Still, cleaning the furniture is as important as choosing the right pieces. This is why for furniture cleaning, London has many reliable service providers that can make sure your furnishing looks as new as possible.

Article Written By: Barry McDonald

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