Guides

Once you have assessed your current financial situation, it is time to ask yourself some important questions;  are you ending each month with positive surplus of money? If so, how much? Is the amount regular? Or are you ending each month with a deficit (raising your credit cards debt)? The best way to answer these questions is by optimize your budget

With this guide I will provide you with ideas on how to optimize your budget. The objective is to end each month with a reliable positive left-over.

This is part of the first steps on how to improve your finances.

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When you want to improve your financial situation, you may be tempted to immediately jump to several strategies. But before you can do anything, you need to assess your finances at the present time.

That means you need to know how much you have on your bank account, saving account, and eventual retirement account; you need to know the balance of your credit cards and other debts; and more importantly you need to know on average how much you earn and spend.

Only by having a clear idea on how your current situation really is, you can see what is the best path for your finances.

This is part of the first steps on how to improve your finances.

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