Mùa xuân Sự lột xác đáng kinh ngạc về tiền bạc

8. Đầy đủ tài chính của bạn | Hiểu biết về tiền hưu bổng

Hưu bổng là một phương tiện quan trọng để làm đầy đủ tài chính của bạn và là điều mà nhiều người trong chúng ta không nghĩ đến cho đến khi già đi và sau đó là quá muộn. Một chút điều tra và lập kế hoạch ngay bây giờ (vâng, bảo dưỡng - giống như trong trường hợp tương tự nha sĩ ở trên) chắc chắn sẽ giúp bạn đạt được ước mơ nghỉ hưu của mình.

Đồng thời đảm bảo rằng quỹ hưu bổng mà bạn đồng hành không bị ảnh hưởng bởi những thay đổi trên thị trường tài chính toàn cầu và chúng miễn phí và được đảm bảo về vốn. Một số ngân hàng làm cho việc này thực sự dễ dàng vì họ cung cấp một tài khoản ngân hàng đặc biệt chỉ dành cho quỹ hưu bổng - vì vậy việc gửi tiền vào tài khoản hưu bổng của bạn cũng dễ dàng như chuyển khoản.

Cho dù bạn muốn nằm dài trên bãi biển ở Bahamas để sơn móng tay hay thưởng thức những bữa ăn ngon thường xuyên tại nhà hàng yêu thích của mình, thì việc nạp tiền vào quỹ hưu trí sớm hơn là điều tối quan trọng. Cân nhắc thêm tiền vào quỹ hưu trí của bạn ngay từ khi còn nhỏ và với lãi suất kép - bạn sẽ làm đầy đủ tiền hưu trí của mình một cách đáng kinh ngạc.

9. Trim, tuck and tone| Consolidate insurance policies

Insurance is singularly one of my biggest expenses and if you are living large – you’ve probably got a list of insurances to match. Absolutely, definitely, unequivocally consider tightening up all your insurances and consolidate them. Not only will your savings thank you, but trimming down the companies you deal with to just one – will make life much easier. When thinking insurance, think trim, tone and tuck! Suck your insurances in and tone them up, just as you would those extra kilos after long winter.

9. Brighten | Enhance your savings account

As you would use whitening toothpaste to brighten your smile, do the same with your savings account. There are thousands of little ways to save and I’ve proven it on my blog with over 10,000+ ways to save already (actually is more like 15,000+ ways now!). Also saving money need not be a drab and daggy thing. In fact, the Savings Room mantra is to make the whole idea of finances and saving a bright, happy and fun experience. I don’t want you to fall off your perch from boredom when thinking about finances and money.

You may already have a savings account set up and if so – great! If you have an account already, consider adding a little extra to that account each week. For example, if you have a direct debit set up for savings, up the ante.

During the process of executing your Marvellous Money Makeover you will certainly find a large sum of extra money. Now don’t go out the next day waving that money around the shops in a random spending attack. While you can certainly celebrate by treating yourself to something special, be sensible too. Put some of that money back into your kitty. Having an emergency fund is a must, as is saving for the future.

Tip:If you don’t have an account set up specifically for saving money, open one today and put a direct debit into action. Set and forget it. Look at it in six months and I assure you, that you won’t need toothpaste to brighten that smile because you’ll be so happy to see all those savings! There’s a real sense of security that comes with brightening and enhancing one’s savings account.

10. Cut, colour and highlight | Use a happy, nice, personality-filled bank – you can trust

Cut, colouring and highlighting one’s hair after a long and dreary winter is one of spring’s great pleasures. Of course, you wouldn’t colour your hair a crappy colour or invest in dye that’s going to burn your scalp and leave you in pain would you?

The same goes for your bank. If you are going to embark on a Marvellous Money Makeover and spend daily time online, make sure your bank not only covers all the above-mentioned points, but also consider a bank with a personality and community spirit. Simply – it’s nice to see colour every day. It’s also great to deal with nice people and it’s wonderful to deal with companies that are community and people-minded. It’s these little touches in a bank and in life that simply make one’s day.

People-minded banks don’t pay dividends to shareholders. So their profits go back into giving their customers better benefits like low interest rates and lower or no fees.

11. Less is more | Learn the art of money perfection

There’s a rule of thumb with makeup and the mantra is ‘less is more.’ Many people believe that packing on as much makeup as possible will result in a better look, when in fact the opposite is true. There’s an art to perfecting makeup and that’s to put less on using some nifty tricks for maximum effect. My personal mantra is this at the moment and in fact I have it taped to my computer:

Perfection is when there’s nothing left to take away.

I find this term works for pretty much everything I’m doing in life. If I’m decluttering a cupboard, I don’t stop until there’s nothing left to take away. If I’m shaving down expenses in my bank account – same thing, I don’t stop until all superfluous expenses are gone.

Practice the art of money perfection using this theory. Remove excess fees, lower interest rates, shave down expenses, cleanse and exfoliate your accounts. After your Marvellous Money Makeover , you’ll certainly feel rejuvenated and the results will give you a feeling of security, peace of mind and most importantly – more money!

I hope you’ll get started on your spring Marvellous Money Makeover today and live better. It sure feels great to get your money mojo back and get those savings sorted!