Hey, I know tax refunds have started to come in for any and you want to take a vacation, "make it rain" in the club" or buy a new car. There is nothing wrong with any of the those things ( as I want to do those things to lol), however, are you taking steps to protect and save money for your future. With the economic climate the way it is these days, its always room to manage your money better.
Here a couple of tips that can help you manage money more efficiently.
- Use a pay raise, or some or your tax return refund to boost your emergency fund, pay down debt, invest in retirement fund or save for child(ren)'s college education.
- Purchase stock or funds that take advantage of the resurgence of the auto industry.
- Pay for items in cash to help curb any impulsive sending. Therefore you only spend what you have in cash and don't have to worry about paying on a credit cards with interest later down the line or by ore than you can afford.
- Regularly check you billing documents and credit reports. Make sure info is accurate and if you find
Inconsistencies , report them immediately. - Use a small mortgage banker when applying for a mortgage instead of a mortgage broker to get a better deal on home loans.
- Always negotiate to get the best deal when it comes to large pruchases like a house, car or a major
Appliances.
You can find more tips at: http://www.blackenterprise.com/2011/02/09/10-power-moves-to-help-you-better-manage-your-money/
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