- September 17, 2020
- Shirley Conley
- Comments Off on Best Tips for Organizing Financially and Achieving Goals
With the end of the year, you are almost certain to be planning your plans for 2017. Buying a car, a house, taking a trip, starting a new training, renovating your home, among many other options. And to achieve those goals, you need to get organized financially next year.
Of course this task is not easy as it sounds. Most people end up missing certain opportunities because they can’t organize themselves. So, here are 9 very important tips for those who want to arrive in 2018 with all their achievements. Follow:
1. Save on home bills
The basics for everyone who wants to get financially organized. Avoiding waste indoors and reducing bills is the first step in starting to capitalize. But of course, speaking like that, it may seem too easy.
Let’s look at some simple and practical ways to save on accounts:
- Do not leave faucets dripping while not in use;
- Use water bottles instead of glasses to drink;
- Take faster showers, up to 5 minutes;
- Turn off the shower while soaping.
- Turn off the lights when not in use;
- Use fluorescent or led lamps;
- Leave the curtains open to enjoy the daylight.
- Make calls only when necessary;
- Disable a fixed line that is expensive and underused;
- Give priority to emails and internet messaging.
2. Avoid unnecessary purchases and investments.
As you begin to organize yourself financially, you will feel a strong urge to put your capital in some good. Check in a car, house or spend a lot on electronics, for example. Of course this would bring a lot of satisfaction and a sense of reward, but it can mean a big mistake for your financial planning.
Remember: you just started to get organized. Acquiring a debt or committing to a revolving credit card now, for example, can just get everything off track again.
3. Research hard before you buy
Even after getting financially organized and cutting some extra costs from the household budget, there is still one important task: spend less on occasional purchases. In other words, you should research best prices, payment terms and value for money before buying anything.
This practice is already known, but not so well applied by everyone. Most people just look for a few options or are satisfied with the first one. This often means losing a lot of money with just one purchase. Even if you have to wait a little longer before you get what you want, know it will be worth it.
4. Manage your debts first
The first rule for organizing financially is not to accumulate debt. Or at least, no more of those you already own. There are always emergency expenses that end up costing longer than expected, this is true. But if a debt is optional, well, choose not to have it. Pay off your current debts first. This will give you much more security when starting your next investments.
5. Set payment priorities
We have already argued that by organizing your expenses financially, the superfluous comes after the needs. But even among the needs, there are still some that are of higher priority than the others.
If the situation is tight, knowing what is best to pay late is very helpful. And if one of your priorities is costing you, it’s time to find some alternative. Here’s a list of common priorities on a household budget:
- Bills (light, water and gas)
6. Look for cheaper or free entertainment options
As long as you try to get organized financially, you don’t have to give up the fun. In fact, if you search carefully, you will find several options that are inexpensive, or even free. Concerts, museum exhibitions, public squares, trails, among others, are interesting programs for the family, without compromising the budget.
7. Make the most of offers and promotions
The number one rule for those who want to save money is to take advantage when everything is cheaper. This includes lightning promotions, holiday offers, group purchases, airline miles, and anything that makes the price more pleasing to your budget.
In some cases, an offer may be all you need to be able to buy what you wanted from the beginning of the year.
8. Create a plan to achieve your goals.
We talk a lot about how you can be financially organized to save resources. Now let’s talk about organization directly.
You should already have a very clear goal in mind, such as changing a car, buying a home of your own, making a renovation, starting your own business, or something similar. Now what you need to do is make a very straightforward plan to achieve that goal.
Estimate how much you will need to save, how much research you will have to do, the most attractive options for achieving your goals – such as a consortium, for example – and so on. Write down each step and create an agenda. Be persistent and diligent in your plan. This will increase your chances of success considerably.
9. Adapt as needed
Of course no plan is perfect. As much as you try to organize yourself financially and follow each step carefully, the world does not usually faithfully obey everything that you wanted to happen. Someone in your family may be sick, an infiltration may come to your house, your salary may be cut. All kinds of adversity must be considered.
However, it is still possible to organize financially in the face of this. Or rather, rearrange itself. Changing some details of your plan is not a problem as long as the goal is achieved. You may need to work overtime or give up other expenses on the way. With a little flexibility and discipline, the result will be equally enjoyable.
Now it’s time to take all these tips and start planning. It’s 365 days of effort, but there’s always a big payoff after all. If you would like some more tips on getting organized financially and speeding up your achievement plans, check out our other article on consortium advantages for even more information.
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