10 easy ways to get your finances in business
เขียนโดย
Chutinun Kruewan
If you are a new entrepreneur or a businessman with more experience, take control of your finances can feel like a part-time. Some simple tips can help streamline the time, organize your finances and reduce the burden on the economy of money.
1. Keep your accounts in one place
If the mail comes, make sure that in one place. Misplaced invoices könnenUroorzaak die of unwanted late fees and can damage your score. Stuzzicareil a tray, a box or file online. Size is important. If you have a lot of mail, use a space, which can not be filled quickly.
2. The figures on the program
Bill paying can be simplified if it takes place at fixed times during the Monday Depending on the number of bills you receive, you can once a month, if any of its facturengen take. Si you pay when you receive, is too long in front of the controls. Although May invoices state "Payable upon receipt", there's always a grace period. Call the creditor to find out when you have to pay for the law is too late.
3. Read the credit card
Most people take advantage of the credit card at low interest, but not read their statements when paying the bill. Credit cards are notorious for gebruikmet through dand low interest rates Yas bait for new customers then switching to higher rates after a few months. Make a habit of seeing a statement carefully to see what interest you pay each month, and all transaction costs. If the rate increases or a transaction fee appears on the account, a simple call to your credit card company is very helpful to solve the problem. If not, try changing your Geldens more favorable rate.
4. Use the PLC ic pago
Most banks offer the possibility to automatically deduct money from your account to pay creditors. In addition, the creditor has a lower interest rate, if you choose this option because pAHLUNG your money faster and on time. Think about how fewer checks to write, envelope to lick and stamp to buy. Remember that the deduction as an automatic payment, or the risk of bouncing checks.
5. Computerize their electronic chequLibrosnicos
With a software program is a handy way to get your finances. O Quicken (r), Microsoft Money (r) or another package, easy to use these programs, pay the bank account and a breeze. Computer checks can fit almost anywhere and most printers. Once the checks and that all the information automatically to your electronic control. In addition, many banks have direct downloads into these software packages, such as money hinterlegttato or withdrawn, the transaction immediately on the computer. And when it's time for taxes, it could not be simpler.
6. Located in the protection
Most banks have a service that, if the risk of bouncing a check, the money comes from another source. The payment of a fee, the bank is linked to your account or savings account, cash or a credit card so the embarrassment of bouncing a check wirdnno avoided. Call or visit your bank should coing this operation.
7. Cancel unused accounts
Whether it is a credit card or bank account, a formal letter of request to tconto closed. This will not only improve your credit score is a convenient way to keep the money dkont place. Do not let department stores and credit card companies will bait in opening new accounts by favorevole of interest rates and purchase discounts. It's easy to get Credito from the use of hand to make an offer of credit, its own way.
8. Consolidate your account
If more than one credit card with lesaldi, try a consolidation. Be careful and check the balance transfer interest rates and tax time. Therefore, make a list of all the open money market, savings, certificates of deposit, IRAs, mutual funds and other accounts to see if it can be done. Protect Your Moneyor at least places, speculation on everyone involved and reduces errors.
9. Automáticoahorro economic institution
Create a link from your checking account to a savings account that is not affected. This can ucepito visually by banks and the amounts for Monday Dost people Geldner not a savings account on a regular basis. You can wait until a check for reimbursement of taxes or other materials in real cash savings, retirement or other cCCOUNTS. If you have a deposit insurance fund automatically each month, your accounts are accumulatietoesdiente money faster than you think.
10. Clean files
Make sure your bills are paid in a binder. Keep fizur pay factuurnl. Go through your files at the end of each year and submit invoices and receipts no longer needed to control the application. Contact your local IRS office to see how longs audit data. Usually federal tax return audits can be done three years ago, canceled checks, but must be kept for seven. Internet, see the documentation of inspection and maintenance procedure for the state or region.
(C) 2005 DebtGuru.com (r). This article may be freely distributed, provided that the signature file and active link are included.
Michael G. Peterson is the Vice President ofAmerican Credit Foundation, an IRS 501 (c) (3) nonprofit Consumer Credit Counseling has helped thousands of individuals and families with their financial situation through seminars, education, consulting services, planning and management of the debt issue. For more information and free resources consumption .
1. Keep your accounts in one place
If the mail comes, make sure that in one place. Misplaced invoices könnenUroorzaak die of unwanted late fees and can damage your score. Stuzzicareil a tray, a box or file online. Size is important. If you have a lot of mail, use a space, which can not be filled quickly.
2. The figures on the program
Bill paying can be simplified if it takes place at fixed times during the Monday Depending on the number of bills you receive, you can once a month, if any of its facturengen take. Si you pay when you receive, is too long in front of the controls. Although May invoices state "Payable upon receipt", there's always a grace period. Call the creditor to find out when you have to pay for the law is too late.
3. Read the credit card
Most people take advantage of the credit card at low interest, but not read their statements when paying the bill. Credit cards are notorious for gebruikmet through dand low interest rates Yas bait for new customers then switching to higher rates after a few months. Make a habit of seeing a statement carefully to see what interest you pay each month, and all transaction costs. If the rate increases or a transaction fee appears on the account, a simple call to your credit card company is very helpful to solve the problem. If not, try changing your Geldens more favorable rate.
4. Use the PLC ic pago
Most banks offer the possibility to automatically deduct money from your account to pay creditors. In addition, the creditor has a lower interest rate, if you choose this option because pAHLUNG your money faster and on time. Think about how fewer checks to write, envelope to lick and stamp to buy. Remember that the deduction as an automatic payment, or the risk of bouncing checks.
5. Computerize their electronic chequLibrosnicos
With a software program is a handy way to get your finances. O Quicken (r), Microsoft Money (r) or another package, easy to use these programs, pay the bank account and a breeze. Computer checks can fit almost anywhere and most printers. Once the checks and that all the information automatically to your electronic control. In addition, many banks have direct downloads into these software packages, such as money hinterlegttato or withdrawn, the transaction immediately on the computer. And when it's time for taxes, it could not be simpler.
6. Located in the protection
Most banks have a service that, if the risk of bouncing a check, the money comes from another source. The payment of a fee, the bank is linked to your account or savings account, cash or a credit card so the embarrassment of bouncing a check wirdnno avoided. Call or visit your bank should coing this operation.
7. Cancel unused accounts
Whether it is a credit card or bank account, a formal letter of request to tconto closed. This will not only improve your credit score is a convenient way to keep the money dkont place. Do not let department stores and credit card companies will bait in opening new accounts by favorevole of interest rates and purchase discounts. It's easy to get Credito from the use of hand to make an offer of credit, its own way.
8. Consolidate your account
If more than one credit card with lesaldi, try a consolidation. Be careful and check the balance transfer interest rates and tax time. Therefore, make a list of all the open money market, savings, certificates of deposit, IRAs, mutual funds and other accounts to see if it can be done. Protect Your Moneyor at least places, speculation on everyone involved and reduces errors.
9. Automáticoahorro economic institution
Create a link from your checking account to a savings account that is not affected. This can ucepito visually by banks and the amounts for Monday Dost people Geldner not a savings account on a regular basis. You can wait until a check for reimbursement of taxes or other materials in real cash savings, retirement or other cCCOUNTS. If you have a deposit insurance fund automatically each month, your accounts are accumulatietoesdiente money faster than you think.
10. Clean files
Make sure your bills are paid in a binder. Keep fizur pay factuurnl. Go through your files at the end of each year and submit invoices and receipts no longer needed to control the application. Contact your local IRS office to see how longs audit data. Usually federal tax return audits can be done three years ago, canceled checks, but must be kept for seven. Internet, see the documentation of inspection and maintenance procedure for the state or region.
(C) 2005 DebtGuru.com (r). This article may be freely distributed, provided that the signature file and active link are included.
Michael G. Peterson is the Vice President ofAmerican Credit Foundation, an IRS 501 (c) (3) nonprofit Consumer Credit Counseling has helped thousands of individuals and families with their financial situation through seminars, education, consulting services, planning and management of the debt issue. For more information and free resources consumption .
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