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Managing and Saving Your Money

Managing money is problem many people have. Turning down your wants is the hardest thing but I have some tips that might make that easier.

1.Saving Change
By saving change over years or months it adds up before you know it you might have $100 saved in a year instead of leaving the change lying around.

2.Keeping a file
What I mean by keeping a file is managing your funds. How much money you make, how much money you spend, how much is mortgage? these are things to keep in mind when it comes to spending because you do not want to spend more than you make.

3.Retirement Fund
By saving up for a retirement fund this helps you to have all the money you need for retirement and have a steady income long after you stop working. Saving up $100 or 15% of your paycheck a month from 21-65 really pays up (by saving $100 you can at least make $52,800 by the time you turn 66 years old).

4. Investing
There are many ways you can invest for example stocks, bonds, 401 (k) plans, mutual funds and IRA. A top on investing thought is that you may want to spread out your investments. By investing in different stocks this helps as a safety net so if one investment bankrupts you will still have money saved up in the bank or another stock.

5. Investing for Your Children
Want to save up for a college fund for your child. Start saving when the child is born at least $100 or more a month, which will by the time the child is 18.

Other tips on making money:
-making your own website and getting google to put ads on it, depending on how many people visit the website the more that visit the more money you get.
-Meet Mark, Avon, or Mary Jay. By working for these companies you are your own boss you decide how much you make and these companies might get 60% of money and you might make 40%.
-Also by participating in surveys online this helps to bring in some extra cash but I wouldn't do surveys worth points and I would watch out for scams.

Remember do not buy anything you cannot afford. I hope these tips help you in financial decisions. If there are any questions please feel free to comment and I will be more than happy to answer you. Thanks