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Kenneth Kelly's Articles in Finance

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8 Personal Banking Don'ts Presumably the object of having a bank account is to save you money, or at least to help you more easily and properly manage it. But there are also several ways in which your use (or misuse, as the case may be) of your personal banking account could lose you money. Below you'll find out how to avoid the eight most common blunders when it comes to personal banking. Establishing A Budget Is The Right Thing To Do What Is A Budget Simply put, a budget is a spending plan. It details how much you earn, how much you spend, and how much is left over. If you have any money left over, then you have a budget surplus. If you don't, you have a budget deficit. If you happen to fall into the budget deficit category, then you have to cut non-essential purchases completely out of your budget. Generally, living and leisure expenses can be modified slightly to fix the problem. Where is Your Money Going? Everyday we are bombarded with dazzling images of luxury items we simply "can't do without" and offers we simply can't refuse. All it takes is succumbing to one of these to wipe out an entire windfall. We've been programmed by our culture to seek out instant gratification. We buy things we can't afford rather than plan and patiently wait until we've saved up enough to buy "it" (whatever it may be) responsibly. Thus our money is going out before it comes in. Six Ways to Find the Right Credit Card for You No matter where you go and what you do, you will need a means to pay for it. More often than not, you will be using some form of credit card. Credit cards are accepted by almost every vendor across the world. Ways to Get Your Finances Under Control Establish a budget: There's no better way to manage your finances than by being keenly aware of the interplay between your net income (how much you take home after taxes) and your total expenses (including fixed expenses like bills and variable expenses like clothing or entertainment). See our companion article "Creating a Household Budget" for an easy path to a clear and cogent financial plan. Making use of software, like Budget Forecaster from Strativia, makes the task even easier.

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