Taking,control,your,finances,f finance, share, loan Taking control of your finances

If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that

To find money to invest for your future, you need to make sure that your outgoing expenses are less than the income that you are receiving. You need to develop an excess that you can have free to invest.Now before you start to think...."well I don't have any excess left...if I was earning more money....then I would have some free". Let me dispel this myth...and tell you that it is a known and excepted fact that the amount of money that people earn has little if any bearing on whether or not they have an excess left to invest. The only way to create an excess it to spend less than you earn, instead of spending all that you earn.Even doctors and lawyers, who earn well over $100,000.00 per year, often end up at retirement with little more Net Worth than factory or office workers.Net Worth is calculated by deducting the value of all the liabilities or loans you have from the income-producing assets owned to give you the net value of your income-producing assets. Why aren't high-income earners retiring wealthy? Why don't they end up with a greater Net Worth than someone on a low income? It is quite simple. Human nature seems to dictate that whatever anyone earns....they spend....some even spend more than they earn and charge it on their credit card.The higher your income grows...the more you spend and the only way to get out of this cycle is to realise that it is happening, and make a concerted effort to reverse this habit....and to begin reducing your expenditures so that you can free up money to invest.The best way to do this, is to try the 20/80 plan. This plan simply means that as soon as you receive your pay....you put aside 10% for God, 10% of it for investment....and then use the other 80% to live off of. Put aside the 20%, and then pay all the bills and do the grocery shopping....and then after that whatever is left over you can spend.Most people do it the wrong way around...they pay the bills, do the shopping and spend what is left over, never leaving any left to save or invest. By taking the investment money out first you will alleviate the temptation to spend it.The road to wealth is not determined by how much you earn, but by how you utilise the income you have and how much you save and invest.You need to take control of your finances. One of the best ways to start having more control over your money is to find out where it has all been going, and then amend your spending habits to allow you to live within the 20/80 plan.If you write down a list of your monthly net income, then in another column write down a list of the essential items that you have to spend money on. You should be able to work out an average for telephone, gas, electricity, insurances and rates, from your previous bills. Work out an average of how much is spent on grocery shopping and petrol. If there are any other necessary utilities include them as well. Then deduct the second column from the first - and this will give you the maximum potential savings for each month. It can be quite startling how high this figure can be and make you wonder where all the extra money went.Another good learning experience is to simply write down for a fortnight every dollar spent and write next to it what it was for. You will soon find that there are a lot of unnecessary expenses, often caused by impulse buying, where you have spent money on items that you neither needed or really wanted, and could easily have gone without. When you can begin to recognise these areas, and start to consider whether or not you are spending your money wisely, before you hand it over, then you will be beginning to take control over your money and are well on the way to embarking on your investment journey, which will enable you to have a financially secure future for you and your children.Visit my website at To find money to invest for your future, you need to make sure that your outgoing expenses are less than the income that you are receiving. You need to develop an excess that you can have free to invest.Now before you start to think...."well I don't have any excess left...if I was earning more money....then I would have some free". Let me dispel this myth...and tell you that it is a known and excepted fact that the amount of money that people earn has little if any bearing on whether or not they have an excess left to invest. The only way to create an excess it to spend less than you earn, instead of spending all that you earn.Even doctors and lawyers, who earn well over $100,000.00 per year, often end up at retirement with little more Net Worth than factory or office workers.Net Worth is calculated by deducting the value of all the liabilities or loans you have from the income-producing assets owned to give you the net value of your income-producing assets. Why aren't high-income earners retiring wealthy? Why don't they end up with a greater Net Worth than someone on a low income? It is quite simple. Human nature seems to dictate that whatever anyone earns....they spend....some even spend more than they earn and charge it on their credit card.The higher your income grows...the more you spend and the only way to get out of this cycle is to realise that it is happening, and make a concerted effort to reverse this habit....and to begin reducing your expenditures so that you can free up money to invest.The best way to do this, is to try the 20/80 plan. This plan simply means that as soon as you receive your pay....you put aside 10% for God, 10% of it for investment....and then use the other 80% to live off of. Put aside the 20%, and then pay all the bills and do the grocery shopping....and then after that whatever is left over you can spend.Most people do it the wrong way around...they pay the bills, do the shopping and spend what is left over, never leaving any left to save or invest. By taking the investment money out first you will alleviate the temptation to spend it.The road to wealth is not determined by how much you earn, but by how you utilise the income you have and how much you save and invest.You need to take control of your finances. One of the best ways to start having more control over your money is to find out where it has all been going, and then amend your spending habits to allow you to live within the 20/80 plan.If you write down a list of your monthly net income, then in another column write down a list of the essential items that you have to spend money on. You should be able to work out an average for telephone, gas, electricity, insurances and rates, from your previous bills. Work out an average of how much is spent on grocery shopping and petrol. If there are any other necessary utilities include them as well. Then deduct the second column from the first - and this will give you the maximum potential savings for each month. It can be quite startling how high this figure can be and make you wonder where all the extra money went.Another good learning experience is to simply write down for a fortnight every dollar spent and write next to it what it was for. You will soon find that there are a lot of unnecessary expenses, often caused by impulse buying, where you have spent money on items that you neither needed or really wanted, and could easily have gone without. When you can begin to recognise these areas, and start to consider whether or not you are spending your money wisely, before you hand it over, then you will be beginning to take control over your money and are well on the way to embarking on your investment journey, which will enable you to have a financially secure future for you and your children.To find money to invest for your future, you need to make sure that your outgoing expenses are less than the income that you are receiving. You need to develop an excess that you can have free to invest.Now before you start to think...."well I don't have any excess left...if I was earning more money....then I would have some free". Let me dispel this myth...and tell you that it is a known and excepted fact that the amount of money that people earn has little if any bearing on whether or not they have an excess left to invest. The only way to create an excess it to spend less than you earn, instead of spending all that you earn.Even doctors and lawyers, who earn well over $100,000.00 per year, often end up at retirement with little more Net Worth than factory or office workers.Net Worth is calculated by deducting the value of all the liabilities or loans you have from the income-producing assets owned to give you the net value of your income-producing assets. Why aren't high-income earners retiring wealthy? Why don't they end up with a greater Net Worth than someone on a low income? It is quite simple. Human nature seems to dictate that whatever anyone earns....they spend....some even spend more than they earn and charge it on their credit card.The higher your income grows...the more you spend and the only way to get out of this cycle is to realise that it is happening, and make a concerted effort to reverse this habit....and to begin reducing your expenditures so that you can free up money to invest.The best way to do this, is to try the 20/80 plan. This plan simply means that as soon as you receive your pay....you put aside 10% for God, 10% of it for investment....and then use the other 80% to live off of. Put aside the 20%, and then pay all the bills and do the grocery shopping....and then after that whatever is left over you can spend.Most people do it the wrong way around...they pay the bills, do the shopping and spend what is left over, never leaving any left to save or invest. By taking the investment money out first you will alleviate the temptation to spend it.The road to wealth is not determined by how much you earn, but by how you utilise the income you have and how much you save and invest.You need to take control of your finances. One of the best ways to start having more control over your money is to find out where it has all been going, and then amend your spending habits to allow you to live within the 20/80 plan.If you write down a list of your monthly net income, then in another column write down a list of the essential items that you have to spend money on. You should be able to work out an average for telephone, gas, electricity, insurances and rates, from your previous bills. Work out an average of how much is spent on grocery shopping and petrol. If there are any other necessary utilities include them as well. Then deduct the second column from the first - and this will give you the maximum potential savings for each month. It can be quite startling how high this figure can be and make you wonder where all the extra money went.Another good learning experience is to simply write down for a fortnight every dollar spent and write next to it what it was for. You will soon find that there are a lot of unnecessary expenses, often caused by impulse buying, where you have spent money on items that you neither needed or really wanted, and could easily have gone without. When you can begin to recognise these areas, and start to consider whether or not you are spending your money wisely, before you hand it over, then you will be beginning to take control over your money and are well on the way to embarking on your investment journey, which will enable you to have a financially secure future for you and your children.Visit the authors web site at http://members.optushome.com.au/dlohrere/ Article Tags: Earning More Moneythen, Would Have Some, Have Some Free, Earn Well Over, Well Over $100,00000, Office Workersnet Worth, Income-producing Assets Owned, Aren't High-income Earners, High-income Earners Retiring, Earners Retiring Wealthy, Quite Simple Human, Simple Human Nature, Human Nature Seems, Whatever Anyone Earnsthey, Anyone Earnsthey Spendsome, Earnsthey Spendsome Even, Spendsome Even Spend, Even Spend More, Credit Cardthe Higher, Income Growsthe More, Plan Simply Means, Grocery Shoppingand Then, Shoppingand Then After, Left Over Never, Over Never Leaving, Spend Itthe Road, Start Having More, Having More Control, More Control Over, Another Column Write, Column Write Down, Previous Bills Work, Other Necessary Utilities, Necessary Utilities Include, Utilities Include Them, Well Then Deduct, Second Column From, Maximum Potential Savings, Extra Money Wentanother, Money Wentanother Good, Wentanother Good Learning, Good Learning Experience, Simply Write Down, Fortnight Every Dollar, Every Dollar Spent, Unnecessary Expenses Often, Expenses Often Caused, Impulse Buying Where, Have Spent Money, Could Easily Have, Easily Have Gone, Have Gone Without, Recognise These Areas, Money Wisely Before, Take Control Over, Investment Journey Which, Financially Secure Future, Find Money, Make Sure, Outgoing Expenses, Have Free, Investnow Before, Don't Have, Excess Leftif, Earning More, More Moneythen, Would Have, Have Some, Some Free, Mythand Tell, Excepted Fact, People Earn, Excess Left, Spend Less, Earn Instead, Earneven Doctors, Earn Well, Well Over, Over $100,00000, Year Often, Little More, Office Workersnet, Workersnet Worth, Have From, Income-producing Assets, Assets Owned, Aren't High-income, High-income Earners, Earners Retiring, Retiring Wealthy, Quite Simple, Simple Human, Human Nature, Nature Seems, Whatever Anyone, Anyone Earnsthey, Earnsthey Spendsome, Spendsome Even, Even Spend, Spend More, Credit Cardthe, Cardthe Higher, Income Growsthe, Growsthe More, Concerted Effort, Begin Reducing, Investthe Best, 20/80 Plan, Plan Simply, Simply Means, Investmentand Then, Grocery Shoppingand, Shoppingand Then, Then After, Left Over, Spendmost People, Over Never, Never Leaving, Investment Money, Spend Itthe, Itthe Road, Investyou Need, Take Control, Best Ways, Start Having, Having More, More Control, Control Over, Then Amend, Spending Habits, Live Within, 20/80 Planif, Write Down, Income Then, Another Column, Column Write, Essential Items, Spend Money, Electricity Insurances, Rates From, Previous Bills, Bills Work, Grocery Shopping, Other Necessary, Necessary Utilities, Utilities Include, Include Them, Well Then, Then Deduct, Second Column, Column From, Maximum Potential, Potential Savings, Each Month, Quite Startling, Wonder Where, Extra Money, Money Wentanother, Wentanother Good, Good Learning, Learning Experience, Simply Write, Fortnight Every, Every Dollar, Dollar Spent, Write Next, Soon Find, Unnecessary Expenses, Expenses Often, Often Caused, Impulse Buying, Buying Where, Have Spent, Spent Money, Neither Needed, Really Wanted, Could Easily, Easily Have, Have Gone, Gone Without, Recognise These, These Areas, Consider Whether, Money Wisely, Wisely Before, Over Then, Investment Journey, Journey Which, Financially Secure, Secure Future