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Money ManagementHave you made a list of income and expenses? No? Make one now and get a grip on your finances whether you are in credit or in debt.
If youíre in credit do your finances need a spring clean to ensure that you are making the most of your money? That you are not paying over the odds for utilities and services, that your savings are getting the best return? That you are not giving out your hard earned cash unnecessarily!
If youíre in debt you have to face up to it, stare it in the face, and face it down. Get help if you have to but overcome it. You can do it! Donít let financial worries grind you down, take action now. Donít be the proverbial rabbit caught in the headlights.
Get your latest bank statement and credit card bills and make your list. Best to do this on a spreadsheet if you have one but you can write it down if not.
|Mortgage||Get better Deal||580.00||6960.00||Tel. June09||*|
|Car Finance||Change car||220.00||2640.00||*||*|
|Home Insurance||Check||20.00||240.00||Renew Mar09||*|
|Gas||Check||33.00||396.00||Web switch Jan09||35.00pa|
|Electric||Check||50.00||600.00||Web switch Jan09||60.00pa|
|Home Phone||Get better deal||35.00||420.00||*||*|
|Mobile Phone||Reduce||30.00||360.00||cancel 20/01/09||New - 180.00pa|
|Service Debts||Re-finance debt||500.00||6000.00||Feb 21st - Loan Arranger *||*|
|Net Income 1||*||2400.00||29400.00||*||*|
|Net Income 2||*||100.00||1200.00||*||*|
Now that you can see where you are financially you can take the appropriate action.
South East England
Work and Money