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Use personal cash flow to manage your money

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To keep your finances in order, personal cash flow is an excellent tool to manage your money. The term refers to the total of constant and sound assets that are available in a given period, so it is a way to establish your liquidity.

What is it for? In general, cash flow analysis can detect problems such as:

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  • Lack of liquidity: refers to the cash you have at the moment. Sometimes you don’t have it, but not necessarily because you don’t have it, simply because it’s invested or compromised, but it’s still part of the assets.

In this case, carrying out a personal cash flow would help you to know how much money you have and in which assets you have used it, for example, in protection, in retirement savings, among others. In the same way it helps you to detect remnants, which can become an opportunity to grow that money. In more technical terms, it serves to analyze the viability of projects to increase your capital.

How to make it?

How to make it?

The idea of ​​making a personal cash flow is to know in depth the way you manage your money. In general you can start with the following steps:

  1. Open a spreadsheet in Excel.
  2. In the columns you will set the periods; It can be per week, per month, depending on your needs.
  3. In the rows you will place the income and expenses: the income refers to all the money you generate, on the other hand the outputs are all the money that is required for you to operate, which include your vital needs such as clothing, eating, expenses in your home transport
  4. To the sum of all your income you must subtract your savings and your expenses, what result did you get?

a) Your income is less than your expenses: you are in trouble because you live on a loan to cover your needs.

b) Your finances are balanced:   Although you are not one of those who spend more than what you enter, any unforeseen event can take you out of balance.

c) Your income is greater than your expenses: this should be the scenario to which we all aspire. You have the opportunity to save, as well as face unforeseen events and achieve your goals.

According to your results you will have to adjust your balance and make a savings plan so that you can be in the ideal scenario.

Improve is possible

Improve is possible

To improve a cash flow in the business field it is necessary to reduce costs, in the case of a person it is about spending less than what you perceive.

For this it is necessary that you have exact calculations, it is also important that you reduce expenses. In this case you can verify which of your expenses are not vital to eliminate them.

Punctual actions to improve is to change your consumption habits. If you eat on the street, then you can save if you prepare your food. You can prepare your coffee instead of buying it. Programming the change of your clothes store during sales may be another option. If your mobile phone plan is very broad, maybe you can reduce it. Finally, these are small things that, although they are not visible to the naked eye, make a difference in your income.

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Non – bank loan up to 5000 CZK

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With non-bank loans, the sack has literally become open in recent years. It is a suitable alternative to lower-level loans, which are intended for virtually everyone.

These loans have a number of advantages but of course also disadvantages. It depends mainly on what you expect from the loan and what financial company you choose. It is not easy for ordinary layman to orientate in this issue.

Internet graders can help

Internet graders can help

First, you need to know which non-banking companies can offer you what you need. They differ in the amount of the loan and the conditions. Another important indicator is how the company performs in the market and how many satisfied customers it has. This company is a purely Czech non-banking company that has been on the market for several years and therefore has a lot of experience in the field. It is located in the center of the capital at a very lucrative address.

Fast non-bank loans up to CZK 5,000 are intended for people who need to borrow a small amount of money that they will pay back in the following month. Good Finance already has more than 10,000 satisfied customers. One of them is Josef of Brno. “I needed to borrow in the summer, because I had no money left for my vacation and my wife is a parent. I borrowed 5 000 CZK, it helped a lot, I paid everything after the paycheck. Now I greatly appreciate that Good Finance increased the maximum amount up to 15 000 CZK. I will certainly use it in the future, ”says Mr. Josef and is not the only one.

Why contact Good Finance?

Why contact Good Finance?

Good Finance’s non-bank online loans are transparent and fair. However, the company does not lend money to everyone, which has a perfect and solid strategy. Some people apply for a loan virtually wisely. They will then borrow such a large amount that they are unable to repay. This puts them in an even more serious financial situation, from which they are hard to get away. Therefore, we verify the potential client’s income. It does not matter its amount, but above all regularity.

Good Finance offers customers a personal and individual approach, quick approval and detailed assessment of each application. With additional services, you can solve your repayment problems, with helpful staff available by phone or email every weekday from 8am to 5pm. In addition, you can count on never having unexpectedly changed the repayment terms and everything that you agree on is true.

How to borrow?

How to borrow?

If you opt for a non-bank loan, just follow these steps

  • Open the company’s website
  • Fill in the application and register
  • Select the amount you want to borrow and the repayment period
  • Send a symbolic $ 1 to your account – to verify your customer’s account
  • After you approve the application, you become a client
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Save money on the weekend

The weekend is there and it’s finally time to go out for fun. Cinema, night club, restaurant, meeting with friends … what’s your favorite show?

The problem is that, regardless of your choice, quitting involves spending money. And when the financial situation is tighter, leisure expenses can be big budget villains.

If this is your case, you need to turn on the yellow light and take some action. However, it is also not the case to exaggerate and cut all the activities of the weekend. After all, if you work and work hard every week, you have more than the right to enjoy your days off.

Look at your account:

Look at your account:

This tip may sound silly, but there are a lot of people who drop the pencil on Friday and go out there passing the card without worrying about the balance and the expenses that will still have until the end of the month. So before you leave, take a look at your checking account and remember the expenses you will still have to pay your next salary.

This task is a bit boring, but it can get easier if you use a financial control tool. With Clym Yeobright, for example, you just have to enter your internet banking data, wait two minutes and you’re done! All your expenses will be listed and categorized, without any effort.

Then, just look at your spending from the previous month to get an idea of ​​how much you still need to spend by the end of the month.

Plan to save money on the weekend:

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Now that you already know how much money you can spend to not jeopardize your finances throughout the month, choose the weekend programs based on your budget. If you plan to leave more than one day, divide the amount you have by the number of activities and choose the schedule based on how much you can spend.

For those who live in São Paulo, a good tip is to visit the portals São Paulo Honesta and Boicota São Paulo. They list places that offer drinks, food and activities at fairer prices.

Look for free programs:

Look for free programs:

A walk in the park and a good conversation with friends in the square are programs that can be very fun and you do not have to spend anything. Get off the most popular circuit and look for free cultural activities in your city. In São Paulo, the Portal Catraca Livre brings several options.

Another nice tip for this time of year is to visit the carnival notebooks, which have already begun to happen in several cities in Brazil. Fun good and cheap.

Make programs at home:

Make programs at home:

Buying drinks and snacks at the grocery store and gathering friends at home is infinitely cheaper than going to a bar or a ballad. If there is a cook or someone who knows how to play guitar in the class, better yet. The fun is more than guaranteed! Making a hot before going to the ballad is also an option to spend less.

For those who like quieter programs, instead of going to the movies, one option is to watch a series or movie in programs like Netflix, whose monthly subscription is less than $ 20.00.

Use discount coupons:

There are a multitude of sites that sell coupons that offer much more inviting prices for dinners in restaurants, drinks in bars and cultural activities in Brazil. Keep an eye out for the latest offers and take advantage of discounts to save on the weekend.