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Test Your Money Management
By:CD Mohatta
If you were asked about your finances at night, awaken from sleep will you remember the figures? Will you remember your deposits, your debts, your net savings, your average monthly expenses? Not many of us can answer these questions. Money is one of the most important parts of our life, but we do not know much about our own finances in precise terms. Is that not surprising?
Money management plays a very vital role in success. If you were to put the same questions to a very successful person, you will get all the answers with analysis thrown in for good measure. Those who make very big money understand the importance of money management. Unless you manage your money, you will not be able to make best use of it. I would discuss few important parts of money management here.
Debt- do not take debt if you can manage without that. The thought that you have debt makes you feel uncomfortable and kills enthusiasm. Ask two persons about their life- one who has no debt but lives very simply and other who has debts and lives lavishly. You will find out that one without debt is enjoying his/her life more.
Increase Savings - Save more and spend less. Your savings will not only be useful for a rainy day but also create a war chest for you that can be used when the right opportunity arrives.
Increase Profits- target good profits and try to reach that figure in your business. If you are employed, set targets for your salary and achieve it.
Reduce Costs - Wherever possible, reduce costs. Avoid all unnecessary expenditure. Reduce every cost. Live frugally till you save your first million. After that it will become easy to earn more and spend more. If you do that right from the beginning, you will never be able to save your first million.
The author, C.D.Mohatta writes fun quizzes and fun tests at http://www.funquizcards.com/ on topics like love, personality, dating, relationships, friendship, movies, tv, music, business, etc. The second site, the author writes for, is http://www.ecarduniverse.com/ which has free ecards on holidays, birthday, love, friendship, family, expressions, celebrations and all events and occasions. One more site recommended by the author is http://www.yourfungames.com/ - it has free flash games which anyone can play online.
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Article Source: http://www.articles2k.com
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