Finanzas personales

2) Furnishing Your House: If you have not already furnished your house, it is wiser to start with the essentials (cooking gas, refrigerator, TV and sofa). If you earn a regular monthly income, you can approach vendors of these items for an instalment payment agreement to purchase some of these items. Most stores will agree to this because they want patronage.3) Have A Budget: You must form the habit of having a monthly family budget to cater for your monthly needs. Include your rent in your monthly budget. Do not wait until your yearly rent is due before saving towards it. This will put under undue financial pressure. Also include in your budget a percentage for charity (no matter how small). When you give to those in need, nature has a way of reciprocating when you are in need.4) Have A Savings Culture: If you have not already imbibed a savings culture, now is the time to do so. As a couple, save towards major long-term projects like purchasing a plot of land to build your own house. When you build your first house, build to accommodate tenants too so you can earn rental income which you can use for other investments like buying and developing another property.5) Do Not Borrow To Buy Liabilities: If you have to borrow, then borrow only when you have to buy an asset that will further generate income. Do not borrow to buy a car, phone or clothes. Those are not assets. While a car is good for convenience in mobility and every family deserves to have one, it still requires maintenance and maintenance will cost money.

6) Be True To Yourself: It may sound old school but these days a lot of young people are living a lie. As a couple, you must understand that nobody really cares about how you lead your life. So do not go about trying to win the people's approval. Stay focused on building a good family and stay true to yourself.7) Have A Positive Outlook: Research has shown that those who keep a positive outlook in life are more likely to succeed. Always keep a positive outlook no matter the challenge you come across. Check whether it is a licensed operatorYou should also make sure that the agency has got license from the concerned government as well as permits from relevant regulatory authorities in the nation. Ask for recommendations from friends and known ones in the city to verify the authenticity of the company. Go through reviews in trustworthy magazines or search for information about the firm in online blogs and discussion forums. You should also go through the company portfolio and find out about its present and past clients. You may call up a few of these clients and get their feedback about the services of the firm.Look for one that offers multiple servicesA good company usually offers a multitude of services to its clients. Unique reporting practices often occur in industries that are regulated by government agencies.The financial accounting and financial reporting of publicly traded corporations also include the annual report to the Securities and Exchange Commission (Form 10-K), the annual report to stockholders, and various press releases on financial matters. Finanzas personales