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Financial Bad Habits Finansielle dårlige vaner

Financial Bad Habits Finansielle dårlige vaner

It is easy to get into bad habits with financial matters. Det er let at komme ind i dårlige vaner med finansielle område. Few people have enough money to simply buy what they thirst without a thought. Enkelte personer har penge nok blot at købe, hvad de tørst uden en tanke. Most people have to plan their purchases and stay vigilant to keep themselves solvent. De fleste mennesker er nødt til at planlægge deres indkøb og ophold på vagt for at holde sig solvent.

Many people obtain bad habits of getting too far in debt with credit cards. Mange mennesker får dårlige vaner med at få alt for langt i gæld med kreditkort. The cards are easy to get. Kortene er nemme at få. You can get a handful of Visas and Master Cards, an American Express Card, a Discovery Card, and several cards from retail stores irrecoverable much effort. Du kan få en håndfuld af Visa og Master Card, en American Express-kort, en Discovery Card, og flere kort fra detailforretninger uinddrivelige stor indsats. You do not have to have much income to get this many cards, either. Du behøver ikke at have meget indkomst for at få så mange kort, enten.

None of the card companies seem to consider that you might have to pay payments to the other cards. Ingen af kortet virksomheder synes at mene, at du måske nødt til at betale betalinger til de andre kort. You may think you have all these cards just for emergencies. Du synes måske, du har alle disse kort kun til nødsituationer. However, if you get into bad habits with them, you can deadline up spending them to their limits. Men hvis du kommer i dårlige vaner med dem, kan du deadline op bruge dem til deres grænser. You may reach a point where you cannot even make the minimum monthly payments. Du kan nå et punkt, hvor du ikke engang kan gøre den mindste månedlige betalinger.

You might be tempted to borrow money from relatives at a time like this, but that would be just another of type of bad habits. Du kan være fristet til at låne penge fra slægtninge på et tidspunkt som dette, men det ville være bare en anden type af dårlige vaner. Relatives may want to help you for a time. Slægtninge vil måske hjælpe dig for en tid. They may allow you to get into the bad shape of going to them each time you need money. De kan give dig mulighed for at komme ind i dårlig form af at gå til dem, hver gang du har brug for penge. Yet, there will break through a day when the sugar will sprint out, or the spot will get old. Men der vil bryde igennem en dag, hvor sukkeret vil sprint ud, eller stedet bliver gamle. The relative will not only discontinue the loans. Den relative ikke kun vil afbryde lån. They might stop speaking to you as well. De måtte stoppe som taler til dig også.

When it comes to friends, both borrowing and lending money are bad habits. Når det kommer til venner, både lån og udlån penge er dårlige vaner. Factual puts a strain on the relationship that many friends cannot handle. Konkret lægger et pres på de forhold, at mange venner ikke kan håndtere. One crony might forget how much was borrowed. En kammerat kunne glemme, hvor meget der er lånt. Yet, there may be animosity if a written contract is suggested. Alligevel kan der være fjendskab, hvis en skriftlig kontrakt er foreslået. You can rarely win when you get into this bad habit. Du kan sjældent vinder, når du får i denne dårlige vane.

Many people get into trouble financially because the have the bad build of not sitting unbefriended to make a budget. Mange mennesker kommer i problemer med økonomisk, fordi de har det dårligt udgangspunkt for ikke at møde unbefriended at gøre et budget. They have a general idea of where the money should go. De har en generel idé om, hvor pengene skal gå. They may think they have it all in their brains. De kan synes, de har det hele i deres hjerner. It never quite comes together, though, unless you put it on paper ( or on a spreadsheet on a computer ). Den aldrig helt kommer sammen, selv om, medmindre du sætte det på papir (eller på et regneark på en computer). Only then will you know you have everything included. Først da vil du vide, at du har alt inkluderet.

Most utility companies have a voiced grace period before they will cut off service. De fleste forsyningsselskaber har et udtryk afdragsfri periode, før de bliver afskåret service. Some people count on this grace period and get into bad habits when it comes to paying their utility bills. Nogle mennesker regne med denne afdragsfri periode og komme ind i dårlige vaner, når det kommer til at betale deres nytteværdi regninger. If you engage in this you put yourself in jeopardy of losing your lights or water. Hvis du gå ind i denne du sætte dig selv i fare for at miste dit lys eller vand. You also tear down your credit rating. Du skal også nedbryde din kreditværdighed.

Some financial bad habits have to do with the plan people manage their checking accounts. Nogle finansielle dårlige vaner har at gøre med planen mennesker forvalte deres kontrol af regnskaber. One thing people often do is to throw away paperwork they get when production transactions. En ting folk ofte gøre, er at smide papirarbejde, de får, når produktionen transaktioner. Of course, there is a time to throw it away. Naturligvis er der tid til at smide det væk. Yet, until it is recorded into your account, you need to keep season, ATM, and debit slips to verify that the correct amount was taken out. Endnu, før det er registreret på din konto, skal du holde sæson, ATM, og debet podekviste at kontrollere, at det korrekte beløb var taget ud.

Some people even have the bad habits of not reconciling their checking accounts. Nogle mennesker har endda de dårlige vaner ikke forene deres kontrol af regnskaber. If they want to do internet banking with a software program like Microsoft Money or Quicken, they can shape it very easy on themselves. Hvis de ønsker at gøre bankforretninger via Internettet med et software program som Microsoft Money eller Quicken, de kan forme det meget let for sig selv. It is important to be sure that your account has in it what you think it should. Det er vigtigt at være sikker på, at din konto er i det, hvad du mener, at det burde. For one thing, there is no better way to catch fraud. For én ting er der ingen bedre måde at fange svig. Taking charge of your money habits can make your esprit less stressful and more productive. Overtagelse af dine penge vaner kan gøre din esprit mindre stressende og mere produktive.

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