The first question that you have to ask when looking at how to manage your personal finances is, can you meet your living means without using a credit card? This means, can you get by month after month without having to have a lot of credit card debt? If you can not, then you have not learned how to manage your personal finances the right way yet. This is something that people have to learn how to do. You have to learn to be able to break away from the credit cards and live debt free. Only then are you going to be able to handle your personal finances.
Then next thing that you have to look at is if you have any money saved up? Usually people do not get money saved up until it is late in their life. However, thinking about saving money up is a good way to get your Personal Finance in order. Remember, you need to make sure you can meet your living needs first. As soon as you can do that, then start saving money. After all, you can not start saving money before you meet your living needs. The sooner that you start saving money, the sooner you will get your personal finances in order.
The most important thing that you have to look at when you are trying to manage your personal finances is your job. You need to look at if you have a steady job that has reliable income. Now this is something that can be hard to do. That is because if you work in retail, you never know when you could get let go. So to have a steady job you have to be with a bigger company or your own boss. This can really help you get your personal finances in order. Your personal finances are the main thing that you need to be worried about. Get those in order first before you worry about other things.
The last question that you need to answer when dealing with Personal Finances is, do you have emergency funds? This means if something goes down, do you have the money to cover it? If you do, then you have your personal finances in order. Of course, this is a thing that goes hand and hand with saving. Keep all of these keys in mind when you are dealing with personal finances, and you will be on the road to financial freedom.
WPMixer
October 23, 2009 at 8:43 am
thats right chase is the wost we owe 500.00 and in march is gone forever
classymst08
October 23, 2009 at 9:11 am
http://www.youngmoney.com/calculators/personal_finance_calculators/home_budget
Wordpress
October 23, 2009 at 10:12 am
These boneheads don’t have a clue about the common man. The credit industry should not have so much control. Obviously, it makes no sense to overspend on credit, but when you lose a job and need to provide for your family, you will have to make tough decisions. This law does nothing to protect people from the evil credit card companies (like Chase) from raising the interest rates or lowering limits. Our leaders have failed us once again.
mathwhiz454
October 23, 2009 at 10:13 am
Try David Bach. He's a no nonsense type of guy and his books breaks down information into individual paragraphs with charts to make it easier to understand.
I recommend the book Start Late, Finish Rich.
http://www.finishrich.com/free_resources/fr_lattefactor.php
Keep in mind that almost all writers (David Ramey, Suze Orman etc) basically say the same thing but in different styles so you just need someone you can get comfortable with.
Another suggestion is use the internet. You have free information at your finger tips
http://finance.yahoo.com/
http://money.cnn.com/
http://www.smartmoney.com/
liipl 2
October 24, 2009 at 9:45 am
book called financial accounting
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October 25, 2009 at 12:13 am
Don't worry. I just finished my BBA in Marketing/Management but I'm going back for Physics so you can always change no matter what. From what you've written, I would say go into law because it seems like your passion. As far as transferring to a four-year university, from what I know your GPA from any other university, community college or whatever, will not transfer over with you when you switch schools. It will be a play a part in determining whether or not you're admitted but if you feel like you need some more time to take classes that you might possibly be interested in, then do them now before you transfer. I truly hope this helps, but it sounds like you're blessed enough to find your path at a relatively young age no matter what you might think lol. I'm getting a completely different degree that's gonna take me 5 years to get a PhD in, and I'm 21 so yeah we have all the time in the world.
Bloom
October 25, 2009 at 1:26 am
Assuming each choice is lettered in successive order:
1.B
2.A
3.B
4.C
5.D
6.A
7.C
8.A
9.C
10.C
witch hazel
October 25, 2009 at 6:25 am
I knew that years ago without anyone telling me. I thought the same thing when Bush began the bailouts.
Everyone wants smaller government as long as it does not affect their piece of the pie.
Giffu672
October 26, 2009 at 3:10 am
yes, i do it all the time.
i always follow the scientific method – not just in solving but also the step-by-step, one-variable-at-a-time approach to pinpoint the problem. in fact, that is also how i found out which of my medication was giving me trouble.
it also helps in rational thought.
use it while cooking & experimenting. also write down the recipes accordingly.
use a lot of maths in knitting, sewing, artwork,…
)
use psychology & sociology in trying to understand human behavior & actions & motives. als to fathom my own thoughts & motives & behavior.
use my degrees & knowledge [& love for] in education to "tutor" askers in Y!A
use statistical knowledge to see through poll & survey findings or other research findings/claims.
both my husband & i have a lot of fun & debate over the physics of plumbing, genetics & evolution [here, the arguments get heated too
],
the chemistry of food, biology of gardening, & so on. we love to figure things out.
without actually realizing, one is using one's school learning in everyday life – it becomes so much a part of one's make-up & psyche that it's almost second-nature.
loved your Q
Anonymous
October 26, 2009 at 3:08 pm
How hard it is. But you sound like you have a good head, just make lists for things you need, and also to get utilities on you need deposits so save those up. Make sure you have good credit.
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October 26, 2009 at 6:57 pm
gooo for it