1. Follow the golden financial rule. When you get a windfall, bonus, gift, or extra earning, you could fake toy watches cheap follow 1/3 principle to determine how to use it: 1/3 for the past, namely, to pay your debt; 1/3 for the future, namely, to save or invest it; 1/3 for the present, namely, to buy what you want or spend it on family or personal improvement. If you follow this rule, you will find that your debt is reducing and your saving is on the increase. You won't be short of money any more. 2. Prepare a shot in the locker. Your monthly budget is likely to be messed up when you are taken by surprise, such as car repairing, visiting a dentist or being laid off. Avoiding the debt from these things, you need to open a readily-available emergency account. Undoubtedly, a monetary management account is relatively good, because it will bring you a higher interest compared with ordinary savings account. How much is enough? It's very simple. Firstly, record your monthly expenses including from mortgage payment to dining at the delicatessen shop. Secondly, multiply this figure by three to get that total. Maybe, this budget for three months is amazing. However, the truth is, it is the minimum cost you should have at hand to prevent accidents, either collapsed house or sudden illness. You need some money to help you overcome the difficulties. Even though it can't bring you plenty of interest, do not worry about it. Because the money is reserved for emergency. 3. Throw away debit card. We may feel regret about buying something unnecessary, but it seems inevitable to do it, such as purchasing a box of chewing gum while waiting for checkout at the supermarket checkout, or buying a Van Helen band's new CD in the record store. How do you keep your money in the bank instead of extravagant consumption? You should learn from the older generation to throw away debit card. Firstly, you may need to figure out how much you will need to meet your normal life every month, such as eating lunch in the cafeteria or drinking coffee. Secondly, you have to go straight to the bank counter and withdraw the figure you need in a week. Because this amount is fixed, you have to think twice when you want to buy something unnecessary. 4. Pay yourself salary. When the bills started to pile up, you have to force yourself to sit down and fill in the required check to pay each bill. You will experience it every month. But you forget to sign a check for yourself. Thus, you will be able to put aside a small amount of money for a investment every month. The ideal ratio accounts for 6% of your income per month. It is awesome if you can spare more. If possible, you could deposit it or open another account for yourself with your name. You should make sure that you are able to pay yourself as if you pay the mortgage and electric chat=rge without a break. 5. Make a budget and stick to it. It is the first step to ensure the financial order to make a reasonable budget. Stanley Koshman, a writer, lawyer and founder of financial website -- www.debtonadiet.com, provides sis steps about how to make it. Firstly, stop attempting to get the whole budget done once. Try to spend a few days on dividing this plan into several sections under control. Secondly, summarize all your income, including salary, interest and gifts. Thirdly, collect the data of all your expenses thoroughly. Even if this step will take you three days, a week or a month, just ensure that you leave nothing out. Fourthly, create a budget sheet and fill in the items of all your income and expenditure. Fifthly, think over whether you can make tiny adjustments, for example, how to pay your debt or improve your savings. However, what you should put to your agenda is ensuring that you earn at least is higher than you spend. Keep you away from the deficit. Finally, redo a budget on the basis hublot copies of the new figure, and post it at home to remind yourself that you are living an easy life under the budget control. Are you worrying about how much you spend, how much you save, or how much you can afford on housing? Baume Mercier Maybe, the following equation can show you a view of your financial condition. Housing price should be no more than 2.5 times of your annual family income. Bell ross The total debt you have to pay every month is no more than 35% of your monthly net income, including mortgage payment, student loan, car loan and credit card payment. Some mortgage brokers will increase this ratio to 40%, but you will have a limited budget space if you do that. 6. Make a good distribution to your welfare income. For a easy retirement, your reserve fund should be 20 times of your annual income! For example, $75000 a year is needed to keep the pot boiling after you retire, then you have to save $1.5 million reserve. Of course, this figure will change with indefinite factors, such as retire ahead of schedule or keep working. Sound mind is in sound body. Healthy weight loss won't take a toll on our body. It refers to a balanced diet and proper exercise. We need to be brave to face difficulties during this journey. We can never give up, even though there is no big slimming progress. Sometimes, we can seek support from natural meizitang and fruta planta without any side-effects.