10 Money Tips for you in this year

As you move back into the daily routine of a new year and ten new, here's a checklist of 10 things you should do to make better use of your money. We have become savvier consumers and reduce the costs. So if there is a dominant theme of the consumer, in 2010, it will be to find a lot of small economies, particularly in rates and fees are often hidden. Transparency should be your friend.

Know what you spend.
Do not really know where the money goes? Spending patterns often can hardly get cable in our behavior. Manufacturers like it because it is easier for them only when you pay money every month without thinking about it. But you should think about how money is spent and, in particular, where you can spend less of it.

Make a budget.
When you actually know how much money spent, it's easier to make a budget. Budgets are an essential discipline if you are serious about being a master of money.

Stick to your budget.
Each month, previous month's expenditure review and compare them with your budget. After several months, this will cease to be subjected to torture can be an effective planning and support.

Have fun some money.
If the budget is all drudgery, you will wind up in prison for money and that's a bad place to be. So set aside money to have some good times. Construction, such rewards may provide incentive to stick with your budget.

Check credit card and bank charges.
Look carefully for new charges interest charges. Banks must implement new pro-consumer laws and seek ways to recover the expected reductions in income taxes late, overdraft payments, higher taxes and interest. Spend some time reading the new disclosure statements on your cards and accounts.

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