6 de septiembre de 2008

"Some Ways to Solve your Economic Problems"


A lot of Americans are suffering the “effects of the economic crisis”, so I would like to share some “tips about how to solve those problems”:




- List all of your spending categories (meal, education, household, gasoline, medical, etc.)




- Think of what is the priority or unavoidable spending.




- Put the monthly amount for each spending.




- Count up the amount and compare with your income. If your spending is being in between 75% up to 85% of your income, you can feel free. If it not, through down the step below.




- Cut the totally amount. Count up only for unavoidable spending. If it be in 40%-60% of your income, it’s okay and you just have 15% up to 35% for other expenses. But if your unavoidable spending more than 50% of your income, feel free to evaluate the cost, maybe you can make any reduction. Beside that, feel free to reduce your avoidable spending. Try to get 85% maximum of your income for your cost living.




- What about the 15% or 25% of your income? I suggest you, don’t think about this, because it will cover your unestimated cost.




- How to save the 25% of your income? Open one more bank account, and deposit the amount as soon as you get your salary and forget that you have the bank account.




- If you have instalment, try to communicate to your creditor to rescheduling your instalment.




- Get professional advice about the ways to get out of debt”, or topay off credit card debt”.




- Don’t forget to record all of your spending to compare with your budget.It’s difficult ways, I know! But, you must do this. If not, you can’t enjoy your income. Don’t be ashamed because you must reduce your comfort living.




And finally, think about the New Bankruptcy Laws: filing chapter 7 bankruptcy, could be the final answer to solve your problems.






5 comentarios:

Miguel dijo...

Jo, mi inglés médico no me permite captar bien tu entrada.
Buscaré un traductor...aunque son muy malos.
Es que el tema económico me apasiona.

Un abrazo

Duende Crítico dijo...

No son nada malos los consejos. Habrá que estudiarlos durante el año.

Salud.

Adamantio dijo...

Miguel, dale a las banderitas de traducción

Son consejos para USA, pero valen para todo el mundo

Miguel dijo...

Jo, qué corte !!!
Se nota que soy novatillo...

Se olvidan del consejo más importante:
Logre no perder su puesto de trabajo !!!

Aquí, digan lo que digan, lo peor no ha llegado.
El sunami llegará, y al ser crisis estructural, durará años.
La debacle inmobiliaria, de la que aun solo ha aparecido la punta del iceberg, será mucho mayor que en USA o G.Bretaña.
Arrastrara a bancos medianos, cajas, sectores industriales, de servicios, generará paro que retroalimentará más paro por la caida del consumo.
La obra pública no puede contener la presa. Y menos con el endeudamiento actual.

En el messenger ya avisaba de la llegada de la estanflación hace un año.

Un abrazo.

Adamantio dijo...

La crisis va a hacer una limpieza mucho más profunda, y va a costar cientos de miles de despidos, o dicho de otra manera, "cientos de miles de personas suevamente desaceleradas en su actividad profesional":

Ideas Libérrimas - 2008 -