Personal Finance Management个人财务管理

9 Steps to Get Organized for Financial Success!九月金融组织步骤得到成功!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

The beginning of my financial life was when I received my driver's license.开始的时候,当我接到我的生命是金融驾照. Before that I rode my bicycle around and had no bills.以前我骑着脚踏车四处没有票据. Well, I needed a car, right?好,我需要车,是吗? I had to get to work so I could pay for the car, to get to work.我要动手做的,我可支付车,上下班. That's what started the bill cycle.这就是草案开始循环. The car was used (preowned) but it was the gas credit card that was getting charged.车用(preowned)但气信用卡被越来越控告.

Let's not forget that I could now go to the mall, buy stuff, and take Larissa on better dates than McDonalds (we started dating before I could drive).让我们不要忘记,现在我可以去商场买东西,并采取拉里萨日期比麦当劳更好(我们开始约会之前我会开车). So it didn't take long for the bills to start arriving in the mail.所以没多久法案开始到达邮件.

I just didn't know what to do with this mail.我只是不知道是否与此有关的邮件. Nobody ever showed me a system for managing bills because I didn't have any to keep organized.从来没有人向我展示了票据管理系统,因为我没有把有组织.

So what did I do back then?那么我回来呢? Probably what many people do today.也许很多人这样做了. Bring in the mail, stack it on a desk, and tend to the pile at the last minute.带来的邮件,它在栈服务台,并往往在最后一刻桩. Hopefully I didn't miss too much because I frequently found mail on the floor behind the desk.但愿我没有太多的怀念,因为我常发现邮件在地上的桌子后面.

It didn't take long for me to realize that I had to do something.没有多久,我知道我必须做一些事. I had to get organized!我只好自己组织!

That was a lifetime ago, really, I was 18 then, now I'm 35 and insanely organized about handling money, bills, and all finances.那是一辈子前,真的,我十八岁,我现在35及有组织疯狂约处理金钱法案、财政. I've learned over the years that the better organized you are with all your transactions the less likely you are to: Bounce checks.多年来,我已经知道你是组织好你的一切你是不太可能的交易:蹦蹦跳跳检查.
Exceed credit limits.超过信用限度.
Pay late.逾期缴纳.
Get charged for stuff you didn't buy.为得到的东西你不买落.
Get hooked into extra charges.上瘾成额外收费.
Be stressed over bills.重法案.
Go into perpetual debt.进入永恒债务.
Let fraud go unnoticed.让诈骗这般.

Here are the 9 quick steps to getting organized for financial success--today!这里有九立时越来越成功举办财经--今天!

1) Filing system.1)备案制度.
When it comes to getting organized, everything needs a place, a home, a spot.当谈到越来越有组织,事事需要一个地方,一个家,一个点. The basic filing cabinet is the best way to organize the paperwork.基本柜里是最好办了手续.

The hanging files are the best.悬档案是最好的. They're just easier to work with, easier to access.只看容易同,容易进入. A basic filing cabinet costs around $30 and is well worth the price.基本柜里成本30元左右的价格,很值得.

Once you have a filing cabinet, and some hanging files, create a file for each bill and bank account, for example, mortgage/rent, electric, cable TV, water/sewer, health clubs, checking account, savings account, cash receipts, etc. For credit cards I name the file by the bank name and the last four digits of the card number, i.e., "Citibank 4323."一旦柜里,有的挂档案,并建立档案每项法案银行帐户例如,抵押/租金,电气、有线电视、水/污水、健康俱乐部、核对帐目,储蓄账户、现金收益等我信用卡的银行名称档案名称,最后四个数字的卡号码,即"花旗银行4323年"

Lastly, create one more file called, "Bills Unpaid."最后,创造一个更加档案称为"酬法案" This is the place to put all those annoying statements until you have time to write the checks.这是把所有这些恼人的地方直到你有时间写报表的检查.

2) Take care of the mail when it arrives.2)照顾的邮件时抵达.
Don't let the mail pile up!别让邮件堆积! As soon as you bring in the daily stack of bills, which is what most of it is anyway, go through each envelope immediately.只要你把每天的一叠票据,这是大多数是反正每个信封立即办理. What I do is open every bill, throw away all the stuff that's not important, and staple the bill to the bill-payment envelope, then put then in the bills in the Bills Unpaid file我做的是露天每个法案,扔掉所有的东西不重要,而大宗条例草案付信封,然后再将草案在法案未立案

Now when you're ready to sit down and take care of payment, all your bills will be in place and you won't have to spend time going through each envelope before writing the check.现在,当你准备坐下来照顾金、所有法案将代替你,你可以不须花时间经历每个信封,然后写支票.

3) Use accounting software.3)使用会计软件.
I know everyone reading this article right now has a computer.我知道大家阅读这篇文章现在有一部电脑. That means you should be using software to track your spending and organize your financial life.这意味着你应该使用软件跟踪你的财务支出,组织你的生活. I cannot think of a better use of the computer for people in general!我想不出更好的使用电脑的人一般!

"If you have a computer, then you should be using financial software.""如果你有一台电脑,那么你就应该用财务软件" That's a quote.那是一个引用.

Why?为什么?

Money is like the blood of your financial life.钱就像你的血财经生活. It flows into every aspect of what you do.流向方方面面做什么事. It circulates in, out, and all around everyone in the family.它发行,出,各地每个家庭. By using your computer to track spending, you'll always know exactly what's going on, where money is being spent, and how to plan for new purchases.用你的电脑追踪支出,恐怕永远知道怎么回事,那里的金钱,如何规划新购.

The most powerful aspect about using software is eliminating that checking ledger.最强大的环节,大约用软件是消除检查总账. I haven't written in a check ledger since 1987!我没有写在帐面检查了1987! I have searchable records of every credit card charge and check that I've written in my entire life!我每次检索记录并负责检查信用卡我写我的一生!

The best part is that I don't bounce checks.最好的部分是,我不乱跳检查. It's easy to balance your checking account using the computer.它易于使用帐户余额核对你电脑. There's no adding, subtracting, etc. You just match the checks (and ATM withdrawals) with your bank statement and everything should balance.天下没有加入,减去,等你刚刚配合检查(与ATM取款)如果你的银行声明,一切应该平衡. If it doesn't then you can quickly find the problem.如果不解决的话,你也可以很快找到.

You know how you sometimes get a bill that you think you've already paid?您知道有时一项是你认为你已经付出了什么? It's very easy to find out by doing a search with the computer.它很容易就能找到这样一个以计算机检索.

A word of caution: if you do use software then you MUST back up that data!一句警告:如果你使用软件,那么你必须备份资料! It won't take long for you to completely abandon those paper ledgers, but PLEASE make a back up EVERY time you work on your bills!它不用多久你彻底放弃那些文件分类帐,但请你作备份工作,每次贵法案!

Keep in mind that tracking alone won't solve money problems.牢记跟踪并不足以解决资金问题. For example, in 1995 I created a report for the year that detailed all my spending by category.例如,在1995年创造了年度的工作报告,我认为我所有的详细消费类. I spent 18% of my income on the mortgage, 11% on groceries, 9% for utilities, 6% on federal tax, 6% on social security tax, 6% on property tax, 5% on medical.我用我的收入的18%抵押,11%在杂货店、水电费9%,6%的联邦税6%,在社会保障税、房地产税6%,5%用于医疗.

Those are the top-spending categories which, used more than 50% of my income for the year.这些都是顶花类,用我的收入超过50%为一年. I cannot make changes in any of those categories unless I decided to sell my house, or cut back on food.我无法作任何的改变,除非我决定卖给我国各类楼或者削减粮食. Tracking lets me know where the money is going, but I have limited control over those categories.跟踪让我明白那里的钱要的,但我已有限公司控制类. Areas I can change don't really add up to much, like 1.4% for entertainment.我真的不能够改变地区加起来大,像1.4%消遣.

4) Enter the transactions into the computer.4)进入交易进入电脑.
The software will not be helpful unless you enter the transactions.软件不会有用,除非你进入交易. A strategy for accomplishing this is to put all credit card receipts in the Bills Unpaid file as soon as you get home from shopping.为实现这一战略,是把所有信用卡法案未付收益档案尽快坐在家购物. Then you can enter these transactions into the computer on the same day you pay bills.然后你可以进入这些交易入你的电脑于当天付账.

Entering your transactions in the computer is the confirmation that your perception of what's going on matches your bank's.进入您的电脑交易确认您的看法是怎么回事比赛你行. That means that your computer should be what's correct, and the credit card statement better match what your computer says or there's a mistake somewhere.这意味着你的电脑应该怎么正确声明和信用卡配合说什么你的电脑或里面的某处错误. It's your way to make sure you really did charge every item and write every check.这是你们的路,你真的做到每个项目和收费检查,每写. It's the way to detect fraud and bank mistakes!它的检测方式诈骗银行失误!

5) Pay bills on a specific day.5)对某一法案付一天.
The one lesson I learned early on is that I didn't want to be tortured by dealing with bills every single day.我学到的教训之一是,我早就不想被折磨每天处理法案. That's why I put the bills in the Bills Unpaid file, and that's why I choose to pay bills once every two weeks--on pay day, always a good time, when I had the money.这也是我在法案提出法案未付档案这也是我选择付账每两周--付一天,总是好的,当我的钱. :):)

It usually takes me about 2 to 3 hours to pay my personal bills once every two weeks.通常需要2至3个小时左右,我个人的票据支付每两周一次. Once I start on this task I'm focused!一旦我开始工作,我着重就这个! I review every single credit card statement, check, transaction, credit offer, etc. to make sure that I'm receiving the best rates and lowest cost credit options.我每一次审查信用卡报表、支票交易,提供信贷、等等,以确保我收到的最好、成本最低的信用利率期权.

Each transaction is carefully recorded in the computer.每笔交易详细记录在电脑. It's important that on this "bill pay day" everything matches.更重要的是在这个"法案付一天"一切赛事. My billing statement matches what I have in the computer and all accounts balance.我把我的缴费单声明合法化电脑及所有帐户余额. All check numbers line up so there are no missing checks.所有检查号码排队等上没有失踪检查.

6) Balance your checking account.6)检查你的帐户余额.
I've already mentioned this point, however I cannot stress it enough.我已经提到这点,但是我不能讲就足够. Many people do not balance accounts and it's very costly if you don't.很多人不帐户余额及它非常昂贵,如果你不. The consequences: bouncing checks.后果:跳票. The fees for this can be as high as $35 from your bank and $35 from the bank of the person who you wrote the check to.这一费用可能高达35美元和35美元,由银行从你银行的人给你写的检查.

By balancing your accounts and using software to handle transactions you can easily avoid an incident that happened to a friend of mine.你用帐户和平衡交易处理软件就可以轻易避免事故发生的一个朋友. She accidentally wrote two checks for her mortgage and the mortgage company cashed both.她意外地为她写了两封检查抵押和抵押公司都兑现. The result was that ALL her other checks bounced like super balls!结果,她所有其他检查如超级反弹球! The cost, when the smoke cleared, for those bounced checks was more than $800 plus the aggravation of dealing with all the banks, freezing of accounts, and stress.成本,当烟雾消失了,对于空头支票超过800多加剧处理所有银行冻结帐户、讲.

7) Create a list of all bills and debts.7)创造名单草案和各项债务.
One sheet of paper listing all bills, debts, due dates, contact phone, etc. is one of most powerful tools for financial success!一纸上市的所有法案,债务到期,联络电话等是最强大的金融工具成功! I've included many of these worksheets in my best-selling book, Credit Card and Debt Management.我有许多这些工作,在我国的畅销书,信用卡和债务管理.

Each time you pay bills be sure to update the list.你可知道,每次付账更新名单. I started out with a list on paper then I moved to using Excel.我开始出一份清单,然后在纸上搬到利用Excel. Now, because I have so many credit cards, I had to create an Access database to track that information.现在,因为我有那么多张信用卡,我曾创造Access数据库跟踪信息.

You need this list to be your roadmap.你需要将你的这份名单行进. It's a planning tool for future spending.它的规划工具为未来的消费. You'll be able to see your spending plans at a glance.你可以看到你的开支计划一瞥.

8) Create a list of credit offers.8)营造名单提供信贷.
You know that "junk mail" from your credit cards?你知道"垃圾邮件"从你的信用卡? Well some of those low rate offers are actually VERY good!好一些的是低利率提供很好! I always keep a list of current offers from my all of my active credit card accounts.我始终保持我的全部名单,从目前我国积极提供信用卡帐户. Usually, half of my credit cards are offering me transfer deals less than 5.99%!通常,我的一半移交给了我的信用卡交易少于5.99%! Some are even a true 0%!有的甚至是一个真实0%!

I also keep a list of new credit card offers; however, I do prefer to take advantage of the offers from my current banks since I have a long history of doing business with them, giving me more bargaining power.我还备有一份新信用卡提供;但是我喜欢趁此次收购从银行自从我有着悠久的经商与他们给我更多的筹码.

The key here is to create these lists.这里的关键是要制造这些名单. This way, if one of your current credit cards raises their rate, you don't have to look very far to find a better deal.这样,如果你把他们目前的信用卡利率你不用远处找更好的对待. You don't have to keep a stack of mail to go through.你不必把一叠信件办理. You simply pull out the list and start calling!你干脆退出名单并开始呼吁!

9) Start a financial notebook.9)展开金融笔记.
I keep all my notes on the computer but there was a time when I actually wrote in a book, how barbaric is that!我把我所有的笔记电脑有一段时间,但实际上我写了一本书,野蛮是如何! :):)

Whether by hand or in a computer this is very important!无论用手工还是计算机,这是非常重要的! You need to have detailed notes when you contact your credit card banks, checking bank, mortgage company, etc.你必须有详细说明,当你接触你的信用卡银行核对银行按揭公司等

The reason is that sometimes the phone reps don't make the proper notes in your account, and you'll need to reference your notes to keep all those banks in line.因为有时候打电话一起不正确说明您到你就会注意到你需要参考各银行保持一致.

Your financial notebook should include your strategies, for example, "Be sure to transfer the $2,000 balance from the Discover card to the Advanta 3.9% offer by 11/25."您笔记本金融战略应包括贵,例如"一定要转移,从发现卡余额2,000ADVANTA的3.9%提供给由11/25." The beauty of keeping an organized notebook is that you can refer to your notes, which means you don't have to think about all the details all the time.美丽饲养笔记本是一个有组织你可以提及你注意到这意味着你不用考虑所有细节都在发生.

So there you have it.所以你多. I have followed these steps for financial organization for years with incredible results.我已为金融机构遵循这些步骤来与不可思议的结果. I've keep my interest costs down, I only have to deal with bills and payment one day every two weeks, I rarely bounce checks, I have corrected many bank errors (never in my favor of course), and I don't have to think about financial details on a moment-to-moment basis我把我的利息成本下降,我只是要处理票据和付款每两周一天,我很少乱跳验收我有很多银行更正错误(永远在我当然青睐)而我没有思考财务细节一时至一刻基础

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