Money Management Checklist

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Basic Considerations

• Always stay discipline and never quit thinking about money management
• Establish goals and targets you want to achieve by managing your revenues and expenses
• Come up with a money management plan that covers such topics as debts, credit cards, savings, retirement, etc.
• Treat for your income and know your spending
• Keep detailed records about everything you purchase, invest, sell, barter, or simply give away
• Use a kind of money management software that will help you keep your records organized and up-to-date
• Remember about your family when planning for spending your money

Pay Your Bills on Time

• Make a schedule in which you will organize due dates to pay your bills on time
• Use payment reminders to avoid late fees and penalties
• Build emergency bills at least 1 month before due date
• Check if your bank admits moving due date; then you’ll have more time to pay your overdue bills if they arise
• Consider shopping around for credit cards with extended due dates

Know Your Debts

• Calculate the total amount of your debts, including consumer loans and mortgages
• Know your bad debts and always consider them when planning for spending some money
• Create a payment schedule that will help you define when your next payments are due
• Estimate the total amount of payments you have to made monthly
• Try to live without falling into new debts and monetary obligations
• Abstain from purchasing something if you do not have enough money, rather than getting into new debts

Manage Your Credit Cards

• Keep your credit card statement as simple as possible
• Consider paying more than the minimum on your credit card
• Never exceed your balance
• Consider switching to credit cards with lower rates
• Request your bank for an annual credit report
• Carefully review such reports for unauthorized activity to protect yourself from identity theft
• Try to remember your PIN codes and never keep them recorded

Spend Less, Save More

• Create and follow your monthly budget
• Develop your monthly spending plan which should be aligned with the monthly budget
• Never purchase items which are not included in the spending plan for a month
• Consider depositing a certain amount monthly to increase your savings
• Consider shopping online to get the best prices and discounts
• Adjust your wage statement annually to make sure you do not give the government too much money for taxes
• Look around for the best insurance rates and coverage

Treat for Your Retirement

• Take a look back at your career and try to forecast your future performance to recognize your need for retirement
• Take some time to discuss your retirement investments with your family and try to find a plan that works fine for everybody
• Open a retirement account with your bank
• Have your own retirement program agreed and ready to use
• Know a regular amount.......

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