Finance On Wheels

How to prevent money running through your fingers

October 30, 2009 – 5:22 am

I know this experience will resonate with some of you. The cash I drew from the bank on Monday was completely gone by Thursday and I had no real idea what I spent it on. Sure, I could guess, but that is just what it is, a guess… More importantly, until I got this are under control, it made my budgeting very inaccurate.

From my own experience and research, roughly 50% of “pocket money” expenditure is never accounted for. So, say $40 was drawn from the bank each week, $20 of it could be being completely wasted. That totals over $1000 per year.

So, what can be done to address this situation?

One way to get in control of this expenditure is to equip yourself with a little note book and perform an audit of a all pocket money expenditure over a one month period. This should be done for everyone in the household who spends cash. Set aside a page for each day and write down every cent spent that day.

At the end of the month go though the book and put all the expenditure into the same categories as in your budget and consolidate the figures. You may well be amazed just how much difference this may make to your future budgeting.

I personally perform this exercise once a year and have been doing so for several years. The first time it really opened my eyes to just how much effect getting that single area under control had on my overall financial wellness.

Have an awesome week.
Article by : Malcolm Guest author

Posted in Finance On Wheels | No Comments »

To Get A Payday Loan

October 24, 2009 – 7:07 am

This article will help us to apply for a payday cash loan. Built up with this knowledge to start up with an easy and painless way to get a loan.

Getting this loan is simple but still we have to sign some docs. which is mandatory. And we have to be more careful before applying for the loan; we need to check the pros and cons.
For any queries related loan we can get help from the representative for clarification.. Still, if you face any doubt of their assistance then it would be better to take some one with you. The contract form will have all the information regarding your loan it will have the rates, fees and payment terms in it. There we can find lots of lenders across the globe.

So be careful before you proceed…

Posted in Finance On Wheels | No Comments »

Lets go back in time to manage money

October 19, 2009 – 6:57 am

As we are trying to locate the balance among retaining our conventional values and also searching a way to imitate the western country in terms of our lifestyle that change. Well, the areas that looks to get changes because to this move is that of known as personal finance.

Now a day’s managing money has been a steady challenge for young generations who have raised the radar on the spending. Young generations are more brand aware than any other generation before has ever been, there wardrobe has ten or more various styles of dresses for every purpose, spending huge money on vacations are very common now, buying luxury things and owing a multi-facilities car or BMW bike by getting loans is also common.

Please refer to the article here..

Posted in Finance On Wheels | 1 Comment »

Secure your Job by Paying it Forward

October 10, 2009 – 3:40 am

In the current economic climate, many who are actually working are worried about their continued employment and the financial impact of losing their job.. Here is some advice in “Paying it Forward” at work to become a much more valuable employee:

1. Maintain a pleasant demeanor at all times, even when you personally don’t feel pleasant.
2. Dress conservatively; Pay attention to your personal appearance and hygiene.
3. Tell the truth always. Lies, no matter how small, always come out in the end.
4. Put a smile on your face and in your voice.
5. Speak highly of all your colleagues and the company management. Do not “bad mouth” anyone.
6. Look for the positive in every situation.
7. Be a “Do it now” person and deliver every assignment ahead of time.
8. Learn what your boss hates doing and offer to help him with that.
9. Learn what part of your job makes the most positive impact on the business and do more of it.
10. When you have finished your own assignments, ask for something more difficult that stretches you.
11. Read all you can about your industry and the latest trends. Become an encyclopedia of knowledge and apply it liberally to what you do.
12. Do “little things” that make the work environment more pleasant for everyone. Keep your workspace tidy and clean.

The above cannot guarantee you have continued employment; it will go a long way to making you vocation more fulfilling and enjoyable. Plus it may get you selected for a possible promotion.

Have a great week,
Article by : Malcolm Guest author

Posted in Finance On Wheels | No Comments »