5 Ways To Make Finances Easier - Personal Finance Basics
Wouldn't life be great if dealing with money was easy
? I've created a list of five ways to make finances more simple and will help with personal finance basics. The great thing about making your banking more simple is you can usually save money and create more spare time for yourself. Banking is actually easy.
1. Use Direct Deposit: Direct deposit is the first and simplest way to make your financial situation a lot easier. Surprisingly lots of people do not use direct deposit and still venture to the bank each week to deposit their paycheck. Your place of employment likely offers the option for direct deposit and it will save all kinds of time and in some cases money.
2. Create Two Checking Accounts: This is truly helpful and helps you to understand how much cash you can spend each month and what amount you must set aside for bills. One way to make this work is to have one account to deposit your paycheck and the other used for bill payments. By doing this you won't over spend and should always have the right amount left over to pay any bill you might have.
3. Create a High Rate Savings Account: Many financial institutions give you the option to create a high rate savings account and this is a feature you should consider. A high rate savings account can be a great place to set aside cash for an emergency fund and these accounts can offer saving rates of 3% or more. You can make tiny contributions from one of your checking accounts to quickly help the balance grow and it builds up your savings better than most other types of accounts.
4. Automate Your Banking: Every financial institution has the online option and it can make life incredibly easy. Online banking is personal finance basics at their best. This feature allows you to check your balances from just about any location and schedule monthly bill payments. The options are endless, online banking is perfectly safe and you can do banking from the comfort of your couch.
5. Create a Bill Calendar: Even if you have email alerts or automated bill payments you should consider creating a written calendar for yourself, just in case. It's good to write down bill due dates in a notebook or in a notepad as a constant reminder. Be certain it is written somewhere you will look at around once every few days. Having a written reminder will help prevent over spending and helps to prioritize your finances.
Banking doesn't have to be difficult. The more you simplify the personal finance basics in your life the more likely you are to save more money and make all of your regular payments. Although you will have to make a little effort to begin with, it should be easy breezy from there on in.
by: Brandon Schmid
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