The Managing Of The Financial Affairs Of - amazonia.fiocruz.br

One of the biggest problems people face today is money management.

Most employees do not have money allocated for emergencies, and there is a good proportion of those who have financial debts that prevent them from Finnacial and living comfortably, and others are unable to restrain themselves in spending here and there. It is very difficult to save money until your retirement time, if you are currently unable to manage your money and suffer from the accumulation of various debts.

We have noticed some common mistakes among people, which may negatively affect their ability to manage their daily financial affairs, and thus their inability to save money. Here we explain 10 main reasons:.

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Receive huge tax refunds annually. This indicates that the rate of Manxging withheld from your pay is large. But the problem is that this method is not the most successful way to save money. You cannot get an interest rate from the state on those tax refunds, and you cannot access these amounts whenever you want, especially in the event of an emergency situation in which you need money.

It is natural that you cannot calculate what you do not know about, which is usually the reason why some people are surprised when they see their bank statement and credit cards.

To avoid this from happening, you can follow a method to check your expenditures for the past three months at least through the program Excel — Excel and classify them according to specific categories. You can also use Mint. Both sites provide Android and Apple applications for cellular devices. Both of these methods are correct, so choose what is most comfortable for you and always work with it.

Forgetting about non-monthly expenses. Some of the most forgotten expenses when managing money are vacation and travel. You can divide your vacation spent the previous year by 12 to show you the amount for each month.]