1) Stay informed: if this is always important, it is even more at this time. Turn off the TV and dive into the network to locate the information you care: general information about the economic situation, information about your company and your industry, banks or boxes where you have your money in companies where you have shares. A very easy and simple to do this is through subscriptions from Google, is also very interesting to follow some blogs of people who have more and better approach. Discover you're interested, I left you some ideas: Marc Vidal, the Wall Street blog, Cotizalia, etc.
2) Look after your work: whether you are employed person or self, you take care of the work of great interest to you. Redouble our efforts, become more present than ever, take initiatives to develop new projects Volunteer complements your training involved to the fullest.
3) Try to supplement your income to the extent of your ability, you no ill will look for ways to earn some extra income, either in order to make ends meet or to save a little if they are given bad. The Internet is an incubator for initiatives that require time and can help you with a small income.
4) It strengthens your network of contacts: updating your contact information and try to stay close to them. Recover to people they take no time to try and locate others who might be interested in the future.
5) Reduce your expenses every effort: although you can still deal with your "rhythm" of life with your current income, it is interesting to start tightening their belts as soon as possible. There are plenty of things you can do:
- When you purchase, get a list and do not leave it (without being shown to be "ready" means 30% more to purchase), buy seasonal produce, white markings, taking advantage of offers, compare prices, look in your local store and not only in the super.
- Keep track of your consumption of water, electricity, gas, telephone, butane, etc. and tries to reduce them, a couple of degrees lower the thermostat at home and get a jersey, use the washing machine and dishwasher only when fully loaded ; eye with lights, stand by, etc..
- Reuse and recycle clothes, shoes, etc. Remember that you can wear shoes or clothing to the cobbler to fix and you will remain as new.
- Review your spending on things not strictly necessary as magazine subscriptions, gym, leisure, and looks cheaper or free alternatives: most newspapers and magazines can be read freely on the Internet, you can play sports without having to go to -- gym, there are plenty of leisure-free and quality draws on the viewer to go to the movies or museums ...
- Use public transport instead of your car. Surely you can walk to many sites, or maybe you can dust off the bike you have in the attic.
- A dinner with friends at home can be as fun or more than in a restaurant and you will come much cheaper.
6) Review your financial situation: there are many possibilities depending on the position of each one, but I think the general approach would be to eliminate debt, diversifying savings and maintain the highest possible liquidity:
- Try not to be over € 20,000 in a single box or bench (this is the maximum guaranteed by the Deposit Guarantee Fund) --
- Negotiate with your banks and commissions of the accounts, cards, etc.. Standard criteria are not always who normally does not care "is the key."
- If you have any amount saved does not make it very long, better take it into products that can be made effective immediately, without cost, although they have lower profitability. If you can, keep a level of savings that you can meet your fixed expenses for at least 6 months.
- If you still saved money on something, you have written off debt, starting with personal loans, and continuing with the mortgage. Unless you have no choice not to subscribe to any new credit, much less consumer credit, money fast, and so on.
- Invest in fixed return products such as bonds, bills, etc.. If you have shares, it attempts to inform either of which is the status of your investment. My view, and acknowledge that I have never invested in stock market, it certainly is not the most successful, is that the stock market will continue to go down so if you need to sell, sell as soon as possible.
- Check also what you pay for home insurance, car, life, etc., stand by estate maturity and look for the best prices.
- Avoid as much as possible and tries to save endeudarte the maximum you can. Monitor expenses and make monthly targets is a good way to achieve this.
7) In time of crisis do not move more: It is not good time to make major investments or expenditure or housing, or new car or motorcycle, or similar things. In case you're engaged in a business project, I think the best advice is to check either your risk analysis and establish the worst scenarios that were provided and then make your decisions.
8) Make the most of the cost of your Internet connection: it is no joke; Today on internet you can read newspapers, books, listening to music, watching movies, TV programs and videos, contact whoever you want, collaborate on projects, develop ideas, seek employment, tenders, investment, etc, etc all without hardly any cost.
9) Do not forget who you are worse than the crisis is global and there are millions of people it will affect them in a way much harder than you. Surely you can play in their own subsistence. Dedicate a portion of your resources (money, time, goods), little is to resolve these situations is not only a requirement of solidarity but justice.
10) Do not be bitter life: spending less is not living that life necessarily mean worse. We believe that unless we go to a hotel to over 1,000 km of our house we have no vacation, that if we take the same clothes from last year and we are ragged out on the street necessarily go somewhere for a drink , eat, dine or shop. And it is not at all true. Take advantage of the situation to bring your lifestyle and not just coping with the crisis more successfully discover that they live much better.
Tidak ada komentar:
Posting Komentar