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Each of us is interested in the correct and effective planning personal finance. All of us want to earn as much as possible and not to spend almost anything to save up as much as possible savings.

1. The eternal lack of money - to us often is not enough means, namely "if still a little bit that, all would be good", in order to avoid it it is possible to begin to lay off from your monthly income at least 10%, but of course all this whenever possible. If you have no spare reserve, then it is always possible to begin it to form.

2. A situation when your expenses are higher than income - it can be solved by means of the credit, but it is worth to remember about a set of additional conditions which are hidden by this way. Therefore before borrowing weigh whether that subject on which purchase, you are going to be spent is necessary to you.

Management of personal finance difficult process which demands time to learn as effectively and to carefully distribute them. A main goal of management of personal finance is achievement of financial freedom at which achievement it is possible will face a set of problems. It is possible to allocate the main of them:

Even for correction of this situation maintaining the personal budget will help.

Actually if to avoid these problems and to conduct calculation of income and expenses, then you is investigative you can effectively and with economy to preserve personal finance.

First of all, we will talk about the family budget, or about the personal budget. Very often money from our pockets disappears just as water or sand through fingers. Sometimes even when the person tries to control each kopek that, quite often, them difficult to get.

3. If all of you decided to take the credit, then the problem with payment of the credit can become the following problem in time.

For effective calculation of income and expenses it is important to know what you spend money every day for. Quite often most part of savings leave on such purposes as entertainments, transportation costs, food, education and self-development, and also utilities. If to write exact calculation of income and expenses it is possible, investigative, to count on what purposes, first of all, it is necessary to allocate money.

It is the best of all to avoid this situation as it pulls for itself serious consequences in various forms. If you decided to avoid business with banks and occupied a certain sum friends, then and it often pulls a set of problems, many advise not to have financial affairs with friends as you can lose friends.

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Also when you on hands have a detailed plan of your personal budget, you will be able to think of what you want to achieve in life.