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California Business Journal
money mistakes by beautiful girl in 20s

5 Financial Mistakes That You Don’t Know You’re Making

By following these steps, you will find yourself making savings where you never even knew you had them, improving your quality of life and pocketing some cash along the way.

by California Business Journal Editorial Staff
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Organizing your finances becomes much easier once you understand what you’re doing wrong in the first place. Millions of people every single day are frivolously spending beyond their means, without even realizing they are doing so. We are going to break down the 5 financial mistakes that you don’t know you’re making, so you can begin saving and making the most of your money.

Living Without A Budget

Budgeting is the number one way to make serious savings. Many individuals end up taking out payday loans in the UK where this could have been avoided completely. Budgeting plays a crucial role in helping you manage your money responsibly, and it doesn’t have to be difficult.
Follow these steps to make your own budget plan and live within your means:
• Step 1: Estimate your monthly take-home income
• Step 2: Estimate your monthly expenses
• Step 3: Add up your income and expenses
• Step 4: Take all the excess money and throw it into your savings

Poor Credit Card Habits

Credit cards often lead people to believe their funds are infinite, so it’s time to break the habit! Unfortunately, inexperience with credit can sometimes lead to the development of poor credit habits, with a tendency to act irresponsibility with credit. As mentioned above, this all comes down to budget. Manage your budget, and your credit card habits will become more positive.woman-checking-her-financial-statement

Having No Emergency Savings

Living pay check-to-pay check is almost always absolutely unsustainable. If you are relying on your next payday to live, you will find yourself in a dangerous situation. Any maintenance or medical bills that arise without warning will throw you into a world of trouble.

Not Making Payments Into Your Retirement Fund

Pay for your future! There’s no time like the present and putting money towards your retirement will alleviate a whole array of issues. The sooner you start, the earlier you will begin adopting additional healthy financial habits that will complement your financial plan. Trust us, you’ll thank us in the future.

Having Appropriate Insurance

Although it may seem like you are paying more in the present, insurance exists for a really good reason: to protect your financial assets. Whether it is health insurance, content insurance or any other kind of insurance, you find yourself in a situation where you have damaged property or you are unable to work, you will find yourself in a tricky situation if you are not appropriately insured.

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While it may be difficult to understand the value of insurance immediately, it’s necessary. Not having the proper protection in place, in the form of insurance, can be detrimental to your plan. In the worst-case scenarios, you can end up losing years of hard-earned savings, simply by not forfeiting a small amount monthly or annually.

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California Business Journal Editorial Staff

California Business Journal Editorial Staff

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