7 financial mistakes most people often get

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Stressing financial issues affects every aspect of your life. We live in a society where we only know about money, responsibility and duty to do. That never seems to make us feel satisfied.

Always have the latest models of gadgets, cars and fashion to buy. With so many attractive choices will make it easy to make financial mistakes. These mistakes make you go beyond your own capacity and ultimately control your own life.

Join us to read 7 common financial mistakes below and make sure you won't get them again!

1. Pay unnecessary ATM and bank fees

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The bank was founded to make money. With so many things going on in life, it's easy to keep you from checking your account every day. This financial misconduct is common and can really become an issue that we need to pay attention to.

Banking and ATM fees increase over time and if you are not aware of how much you are paying the bank, you will constantly lose money without knowing it. Talk to your bank representative and find out how much ATM and banking fees are. This will help you avoid unnecessary charges .

Moreover, you can try some banks that absolutely don't charge, such as Capital One 360 or Charles Schwab .

2. Put too much food to buy

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Let's face this problem: we live in a busy lifestyle. We can have a very hard day at work and go home late. When this happens on a regular basis, it's hard for us to be motivated to cook a nutritious meal. It will be much easier when you can order food or buy them on the way home. Nutritional value ( this may be a completely different topic ), the price of available food can cost a lot of money if you constantly do it .

For example, Chinese food costs between $ 10, $ 12 and even $ 15. And who doesn't like to order Chinese food from time to time? Think carefully, you can use such money to buy things like a healthy pasta dish from a grocery store.

Aim for things that allow you to cook enough to leave. You can bring that surplus to work on the way the next morning.

3. Don't know where your money goes

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Money means to spend. What is the point of having money if you don't really spend it? Most of us understand this, it certainly belongs to instinct. We see money in personal accounts, certainly we often plan to spend it.

If you don't know where your money has gone, then this will definitely be a good opportunity for them to disappear . The crazy thing is, often the amount of money disappearing is small, it seems that insignificant expenses are added. For example, ordering food to bring back or eat fast food, magazine money, clothes, movies, .

In short, the best thing you can do with your finances is to calculate how much your monthly income is , minus your bill and personal expenses each month. In those costs, if possible, subdivide exactly each part of your ' play money ' exactly, which allows you to go out, buy magazines and clothing, etc. If there is part of the money After dividing each section of costs and bills from income, set it aside for a few savings goals.

4. Don't set priorities in life to decide what to do

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It's crazy to think that a lot of people rarely stop and really think about things in life that make them feel happy. Surely we will feel happy when spending money reasonably? Unfortunately, many people live on ' autonomous aircraft ' and continue to spend their money on small, unreasonable, even meaningless things.

Don't make this mistake! Instead, make yourself feel happy to become a priority and financial arrangement to spend money on things that make you feel satisfied. This is not something too expensive! It can be as simple as paying a babysitter so you have time to take care of yourself or spend some quality hours with your partner.

5. Start a retirement account too late

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This is often a very common mistake. It can be difficult to see the results of not investing in a retirement account. Because there is no fixed satisfaction in retirement savings, it can be very difficult to be motivated.

Simply think, every day you postpone saving for retirement is hurting yourself . Because the percentage in retirement accounts, your money will accrue interest over time. Time is the keyword here. If you start working early, you will actually create a wise currency until you retire.

Dave Ramsey advises to save $ 250 per month ( depending on your income ). The best time to start a serious retirement account is as soon as possible . So start now!

6. Do not pay debts as soon as possible

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This is exactly the same concept as in Article 5. If you have any debt, you will want to do well to repay the debt as soon as possible. Over time, your account balance will not " generate money ". Instead, you will lose money. The longer you wait, the worse things will get.

If you wait too long, the debt may slip out of control . Don't let this happen to you. Give priority to paying any debt you have and avoid accumulating any extra if you can stop it. The best way to manage credit cards is to always live under your own economic ability and pay your account balance in full at the end of each month.

See also: 14 important steps to help you quickly get out of debt

7. Do not live in your own economic ability

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There is a misconception that if you own quality items in your property, you will feel happy when they have them and when people see you have them. Incorrect! Driving a Toyota Corolla with a small debt is better than owning a Mercedes-Benz but cannot meet the payment along with the debt.

The truth is, there may be an allowance for satisfaction from owning good quality items. Of course, there is nothing wrong with owning expensive items. But the trouble comes from swiping your hands beyond your ability to pay for something.The headache, worry afterwards is not worth it.

It is priceless to live a happy and unhappy life . Satisfaction from owning something purchased that goes far beyond your financial ability will be lost later. With this point, what you leave behind is financial headaches. So why invite troubles into your life? Remember: " Good wood than good paint "!

See also: Want to manage many sources of income well, please grasp these 6 important factors

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