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When Money Get Personal: Tips On How To Manage Personal Finances In tough economic times, it is all too easy to find yourself suddenly having financial problems Whether your bills are piling up, you have debts you can't pay, or you are looking for ways to earn more money, this advice can help Keep reading this article to learn some great financial tips Do some research about tax deductions There are many different items you can deduct: Any expense related to your job or business, some medical expenses, expenses linked to education or the profit you made from selling a home, for instance Keep track of your finances and make sure you save your receipts and bills to do your taxes properly Always push "�credit' when paying with your debit card Banks often charge processing fees that can really add up over the course of a year By using your debit card as if it were a credit card, you can save quite a bit of money without much extra effort at all If you're using a rewards credit card that requires a minimum purchase amount to gain the reward, use it where you shop the most Even if you aren't planning on spending the minimum amount required, you can purchase gift cards, which you can use later iPhone 4 Insurance Barclays This technique works even better at grocery stores that you will consistently shop at Do not use the ATM It is too easy to forget how much money you are spending, when you are withdrawing and paying with cash Instead, make yourself a budget and use your credit or debit card, so that you can track your expenditures You will find that you spend much less this way Whenever possible, you should always make an effort to pay your credit card balance in full every month Aside from skipping a payment altogether, the worst thing you can do for your credit is to make only the minimum payment Over time, you will spend hundreds or even, thousands of dollars more in interest fees The best way to manage your finances each month is to set a budget Figure out how much you make each month Then, add up your rent, automobile expenses, and any other bills you have iPhone 4S Insurance Gadget Determine how much these bills add up to and subtract that amount from your income The result is how much money you have leftover each month After you have saved up an emergency fund of one thousand dollars, it is important that you do not stop there Make sure you continue to save until you have at least three to six months worth of living saved up in your liquid savings account When something happens, you will be covered Shop at thrift stores or resale shops These stores sell clothes, shoes, home goods and many other items Buying used items can save a lot of money You will be surprised at what you can find at these stores A lot of times you can find items that are just as good as new As was stated earlier in this article, managing personal finances is not an easy thing to do To successfully manage your finances, and make your money work for you, takes a lot of education and hard work By carefully reading this article, and applying what you learn, you can take the first steps toward improving your personal financial situation iPhone 4 Insurance Gadget