Personal Finances (Job Test Document)(Business Info)

(Credit):

--job test document for (phase two publishing)
--written by thewriter197
--test was failed



Personal Finances:

     Managing your money properly is the key to financial success. However, if you are broke then achieving financial success is very difficult. You need to first make the decision to become wealthy. In order to do that, you need to make a decision to make money. You need to chase it or you won’t receive it. Week to week, you need to take account of how much money you make and how much money you save. Make sure you are chasing money week to week and don’t let time fly by you too quickly. Make sure you are saving what you can week to week as well. Tracking, chasing money, and saving money from week to week is the steps to become financially stable. Take control of what you do with your money and time.

• Be Frugal:

     When I say be frugal, I mean save everything you can. Its not an easy goal for the average joe. Yes, you have bills month to month. You have to pay for things you need that can cost a pretty penny. Despite all the bills, you know you need to make some effort towards saving money. Week to week, try to not spend money on things you do not need. Buying extra food you do not need or buying material things that do not keep you alive. You can save 40% of your income you make month to month. If you can’t save 40%, then save 20%. Learn how to say no to things you do not need. Over time, your income might increase, you might be eager to spend more money but no. Having a better job does encourage you to spend more money. But, You need to save that extra money you make and wait for the right time to spend it. Investing in something, can help you make more money from month to month as well. Rather than spending your extra money on junk, try spending money on investments that are going to benefit you later down the road.

• The Numbers of Income:

      If you are earning $5,000 a month, you need to figure a way to make $5,500 a month. Is it going to happen overnight? No, you must take small steps to learn what you need to. You must start by taking out a little bit of time to accomplish what you need to accomplish. Do you need to make phone calls? Do you need to ask people questions online and offline? Do you need to fill out more job applications or make a better job resume? Constantly think about what steps you need to take to increase your monthly income. Constantly think about what mistakes you can fix to make more money.

• Credit Cards:

       Most people think credit cards are evil. But, credit cards do help you in your time of need. Credit cards are not bad. People who use them irresponsibility are bad. Use credit cards like cash. Do not like credit cards take advantage of you. You must take advantage of credit cards. Do go over your credit budget and use them wisely.