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My goal is to reach a really long way to go (and the main reason for this blog is to maintain distance lanfer multiplication, lanfer so that I can actually look back on the trip and hope to find in the developed as an investor), and the first steps are really slow. In fact, I have been a while ago and I'm in a good situation in the sense that I have already built up an emergency stock and can now be placed in the "extra" money on the stock exchange. But getting started was not easy: the incoming money was lost "somewhere", and at the end of the account was in the same state as at the beginning. I started to follow lanfer the use of money by keeping the table, and I noticed that the time unexpected places in the small sums of money going to become a pretty big sum at the end of the month. Most of them were so-called "unnecessary" spending, so I decided to move immediately pay 10% of the entry aside in a savings account and try to succeed in doing so. This worked quite nicely: when the money was "lost" so I knew myself pretty well adapt to the situation. 10% seems to be negotiable on the salary set aside a slice of yleisuositus (which is thus placed in a long-aikaisäästämiseen, travel, etc "lyhytaikaisäästämiseen" then the user is using the money), but I think it was better this site: http://www.mdmproofing.com/iym/BMF.shtml The aim, therefore, 50-20-30 division, of which 50% is pakkolliset expenditure, 20% of the long-aikaissäästö and 30% "other" (hobbies and desires). These percentages are quite hard, but I feel pretty good target: mandatory costs will be difficult to identify, such as food and an internet connection - whether the mandatory, for example, in the food and how the steak is compulsory for example, every week? In fact, I can not get 50% of the liabilities lanfer and expenses, only about 60% of the situated around goes (due to the fact that shorten a mortgage out pretty fast), and unfortunately, I spend quite a lot of money on food - could this save you a little bit, but I do not think makes no sense to eat macaroni and ketchup throughout life (but no yes no kobe beef also do not eat :)). The percentage of investment in the long term (one year), it would be like to be around 10-15% or thereabouts, lanfer so the time we are in a good position. So I set myself that 15% of the investment objective of each month net income, that is, that I will try to set aside the share purchases. So the tip to novice savers: Make a budget and follow the Lower costs to transfer money little by little to the side - even if you are moving only 20-100e/kk so it does not hurt to create a makeshift - if you have to resort to credit, for example, when something unexpected happens then you will pay this interest, and this interest rate is out of the the future of your money Please be patient. The beginning is really slow, but in the long run, this is being done. I'll still probably also write blogs on consumer credit välttämisesestä / high cost and market ajottamisesta.
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