Budgeting 101 ? Understand Your Personal Finances, And Live ...

Personal financial success can be influenced by our ability to pay attention to how we handle money. The following article recommends little habits we can all do routinely to start thinking about where our money is coming from and where it?s going. The best part about these suggestions is that they don?t require daily attention. Some of these steps can be implemented in a few minutes a month.

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When you are saving for an emergency fund, aim for at least three to six months worth of living expenses. This is not a large amount, considering the difficulty in finding employment if you ever lose your job. In fact, the larger the emergency fund, the better position you would be in to ride out any unforeseen financial catastrophes.

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Do not close credit card accounts in hopes of fixing your credit. Closing credit card accounts will not help your score, instead it will hurt your score. If the account has a balance, it will count towards your total debt balance, and show that you are making regular payments to a open credit card.

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To keep your personal finances in order, it?s essential to protect yourself from identity theft, and there are some simple ways to do this. Ensure that you thoroughly shred any documents containing any information from financial institutions, such as bank statements, before throwing them out in the trash. This is because fraudsters target the waste disposal system precisely for documents containing information like this.

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This article explains little things that can be done to incorporate a routine consideration of financial health. A little bit of time and attention will help improve our financial health and keep attention on the little things that we can do in managing our personal finances. Some steps take only a few minutes at a time to keep us on top of our finances.

Source: http://www.corporatefasttrack.com/cftblog/?p=122

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