Ways to Manage Money More Effectively.

WWW.DOHFWBIHAR.ORG BUDGETING & SAVINGS [{ "selector": ".msilp-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": 1} ] }, { "selector": ".ttkww-a", "duration": "500ms", "fill": "forwards", "delay": "1500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 523px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".mcdff-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": 1} ] }, { "selector": ".wlzcx-a", "duration": "500ms", "fill": "forwards", "delay": "1000ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": 1} ] }, { "selector": ".bwcpe-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(-66px)", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }]

Assess Your Financial Situation

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One of the best ways to manage your money is to have a clear sense of how much you have coming in and going out each month. [{ "selector": ".dupub-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 350px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".tfpoz-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 400px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".soazn-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(-66.00000000000007px)", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".kkmqm-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 430px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }]

Set Financial Goals

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Next, it’s time to think about your goals for the year ahead. Are you hoping to increase your emergency savings or set aside more in your 401(k)? [{ "selector": ".rkwbw-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 350px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".wbrnc-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 400px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".gijmg-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(-66.00000000000007px)", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".fjgsx-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 430px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }]

Establish a Manageable Budget

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This should take into account your regular monthly expenses (such as housing and transportation) as well as additional expenses including hobbies and entertainment. [{ "selector": ".wdrpt-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 350px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".rdqee-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 400px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".rwgkr-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(-66.00000000000007px)", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".ssopt-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 430px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }]

Automate Your Savings

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You can do this by setting up a recurring transfer from your checking account to your savings account or increasing the contributions to your 401(k) or IRA. [{ "selector": ".wnkes-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 350px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".drmgk-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 400px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".dismj-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(-66.00000000000007px)", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".zzqai-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 430px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }]

Pay Off Existing Debt

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Making a plan to pay off your outstanding debt is another important opportunity to improve your finances. [{ "selector": ".aqwju-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 350px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".qaxma-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 400px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".xajjw-a", "duration": "500ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(-66.00000000000007px)", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }, { "selector": ".xpaxa-a", "duration": "500ms", "fill": "forwards", "delay": "500ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 430px))", "opacity": 1}, {"offset": 1, "transform": "translateY(0)", "opacity": 1} ] }]

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