Process establishes metasO to establish goals includes the evaluation of the desires and personal and financial necessities of its family, stop later making an effort in order to convert these desires and necessities into reality. * It identifies and it registers the specific financial goals of all the members of its family as: to save to buy a house or car, to take off vacation, to send the children for the college, to pay a debt or to plan the retirement. * It defines the goals that you need to reach and those that you simply desire. This must help it to establish priorities in the flow of its money and to show what you can really make and what can wait or delay. * It classifies each goal in short term (less than 1 year), medium stated period (inside of next the 5 years) or long stated period (of 10 the 15 years, or more). She thinks where its family would like to be in 5, 10 and 20 years. planoA creates one bigger acquisition of great part of the Brazilian families today is the purchase of a proper property. Exactly thus, other goals and dreams exist many to plan.
When you, its partner (a) and its children will have determined what they want for its family, you you will need to prepare a plan to enxergar the things in clear way. * He writes down any important purchase together with that he desires to make, any another financial goal that has in mind. * He determines the specific steps that he needs to take to reach its goals. * He classifies the steps that he needs to implement before, during and later. * He starts saving now. The more early you to start, but fast you will carry through its objetivos.OramentoUm budget you are a basic component in the administration of the finances of its family. * It identifies of where they come the incomes of its family, including the work and other sources, as investments. You also must know when you receive these resources (that is, the day of the month) and the form from act of receiving (p.ex deposit much less what it wants to increase its incomes.
* It only makes purchases when you obtain to pay. A good general rule is to guarantee that the personal costs of its debts with credit facilities, loans and credit cards (excluding financing of property) do not pass of 15% of its net incomes. It says NOT to any purchase above of this value. * It pays to the possible maximum of its debt of the balance of each month and it always pays more than the demanded minimum. It is made sure to pay first the debts with the biggest taxes of interests. * I will choose a credit card adjusted for its necessities. He compares the characteristics that you need (for example low annual cost or reduced tax of interests) with the characteristics that you want (for example points for miles, feeding or gasoline) and better see which card if adapta to its necessities. Part loaned money not to pay another creditor. It knows more on finances in the ConexoDinheiro.com.br