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Dear Me: Lucky 7 Money Tips I Would Give to My Single and Younger Self

2018-08-13T16:14:51+00:00August 10th, 2018|Personal Finance|
The relationship between single mothers and money is turbulence. Her struggle for the care of her family seems more endless if your facing problem with financial management you can opt for low-income personal loan from licensed money lenders and the more she tries, the more elusive she becomes. But the big problem with money is how to manage what it has, and discover new ways to get a little (or much) more.

1. Development of cost plan

Budget words caused a sense of limitations and lack; so I like the plan to spend on the schedule. When you develop a plan, you feel more control and it is easier to stop spending too much. First, consider everything you need. List all, then set the dollar amount for each item. You may look at past spending trends to get an accurate idea of ​​how much you spend on bills, food, clothing, cars/transportation, and entertainment. If you have an online bank, you have a ready-made source for where your money goes.

2. Engage your children in creating and maintaining a budget

They need to know how to spend money so that they are more sensitive to financial constraints. Older people get more money, they want. When they know how much money they will get and enough to support life, they will be more sensitive to the role of your supplier. This can encourage them to find ways to make money on their own.

3. You have a savings plan to prepare for emergencies

Putting aside money for a rainy day is impressive (I’m also talking here). It is difficult to predict the time of an emergency that requires a great deal of money. If you have funds saved specifically for these times, your stress level will decrease significantly. You will not feel desperate and resort to unusual behavior. Open a separate account for your day fund. Use or recover the tax or any other unexpected amount of funds to fund this account.

4. Receive payments to support the child directly

There is nothing worse than waiting for a check to arrive by mail from your former sweetheart. Often this work is successful or misses, and frustrations that you adopt are not suitable for you or the children. If you have state support, you must have this option. If you have an agreement with your insistence that the money is transferred to your account. The money will be taken out automatically, so you do not have to worry about getting money in time. If you do not get child support, look for a way to get it.

5. Learn how to invest

Learning how to invest at an early stage can actually pay off when you grow up. We think it’s really impossible to learn how to invest without investing money in the game. It is good to be small that you have little money to join the game so that the losses you will get during your studies are slim (I think hundreds or thousands when you are older). After you have incurred small losses now, you can learn how to achieve great success in the future, when you have more money to enter the market. Learning to invest does not necessarily mean you have to lose money, but this is an opportunity. Learn how to do it now, not later.

6. Get out of debt

Whether it is student loans or credit card debt, disposal is the number one priority. If this means that you need to live at home for a year while getting rid of your debt, this is what you should do. In principle, everything is suspended in your financial life until you get rid of your debt. The best way to save is to think about what you want to save. You will never be eager to save, so you have a specific goal of salvation. Once you have a goal, the next step is to create a savings account or a tax-free savings account and install the pre-approved payments to your account. Thus, you do not even need to think about saving, it will automatically happen literally. We all know that debt is quite a chore but this is harsh reality for most of us in singapore.

7. Develop a positive relationship with money

It may seem strange, but you have to understand that money is neutral. This is how you do business, which determines whether or not the funds will be used by you. The way to develop these positive relationships is to make sure that you always control your money. The key to staying in control never means spending more than you earn, and getting used to wise salvation.

About the Author:

As a trusted licensed moneylender in Singapore. Credit Hub Capital offers fast and reliable loan solutions to all individuals and businesses.