среда, 22 августа 2012 г.

Answer by Alex Hung


Jan 18, 2012 8:41 AM


Personal Finance Goals


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Personal Finances


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Personal Finance Goals


Although for some personal finance may come natural, for many the idea of balancing their monthly income against their financial responsibilities can be a daunting task. Some find it hard to set money aside that is needed for electrical bills, water bills, insurance and end up unable to pay some of their necessities when they come due.


However, balancing your personal finance sheet does not have to be this hard. Many financial experts suggest one should create a list of all of his or her responsibilities that must be met each month. After making this list, one should take their net monthly income and see how it stacks up against all the bills that he or she has decided are must pays.


After doing this, your personal finance news become relatively simple.


The hardest part is sticking with the list and making sure everything that is considered a necessity is met. After one has an understanding of their monthly needs versus their monthly income, he or she should also add an amount of savings to the list that contains the must pay bills.


It is recommended by practically every economist that one needs to have some sort of monthly savings plan. You can never tell when the alternator may fail on your car or when the wind blows your screen door from its hinges during a bad storm. By having some sort of savings account, one will be able to make any needed repairs to his or her personal property. After all, for most people a car is necessary to get them to work so this savings account would almost be like an emergency account as well.


Also, there are many ways in which one can cut his or her monthly costs. The ability to cook at home instead of dining out can be a great way to save money. Making sure your car is properly tuned can greatly increase one’s gas mileage, which is another way to cut your monthly costs. When creating a list of one’s monthly priorities, be sure to factor in expenses such as gas, dining out, and other things you may spend money on. It’s not just your power bill and mortgage that takes away from your bottom line. Anywhere there is money being spent regularly is open game to adding to your list.


Manage Your Personal Finances with Quicken


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Personal Finances


Every month, Fannie Mae looks at what consumers think about chances of owning or renting a home and about their personal finances. It is all about attitude and is a way of looking at possible future trends. Twenty-six percent of Americans thing home …


Personal Finances question by no one: What is the best way to manage and keep track of your personal finances?


I know Microsoft Money and similar softwares are out there, but I’m wondering what people feel is the most efficient and effective personal finance management software/system.


Thanks for your input!


Personal Finances best answer:


Answer by Alex Hung


Microsoft money is good but I like the open source software since they are free. For example you can use http://www.gnucash.org/ for personal finance or accounting. There are a plenty options available. So before hanging on paid software do check for the free versions. Also refer this article for getting more details on the free options: http://zenhabits.net/6-great-free-alternatives-to-quicken-ms-money/


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