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Managing Your Money: 3 Tips from The Experts

Managing your money is not nearly as hard as a lot of people make it out to be. In large part it is just a few basic rules and some common sense. The following advice should be more than sufficient to get you on the right path when it comes to managing your money.

1. Get out of Debt: This is by far the most important of all the tips that most money managers will give you is that you have to make sure that you get out of debt as quickly as possible. This does not mean that you should avoid all debt, there are times when debt is actually good. An example of this is when you take out a mortgage to buy a house. What gets most people into trouble is that they will try to extend the mortgage for as long as possible in order to reduce their monthly payments. While this can certainly be helpful when it comes to your monthly budget it ends up costing tens of thousands of dollars in interest. Ideally you want to get the debts paid off as fast as you can so that you can reduce the amount of interest that you pay. When it comes to credit card debt this is particularly true although in this case the debt is actually bad so you will want to get it paid off and then stay out of debt if possible.

2. Diversify: Another key to good money management is to make sure that you have a well diversified portfolio. The reason that you want to do this is so that if one of your investments goes down in value it does not cause a huge loss to your total net worth. The problem that most people have with diversifying their portfolio is that they have so much of their wealth tied up in their house. It therefore becomes a disaster when the real estate market goes down. The reason that most people have too much tied up in their house is that they buy a more expensive house than they can afford. Your mortgage payment has to be low enough that you have money available that you can use for other investment options.

3. Keep Some Money in a Safe Place: This does not mean bury it in your back yard, it means make sure that you keep some money in investments that are very safe and not likely to go down. This is your emergency money that you can use if their is a financial crisis and your other investments decline in value. There are lots of different options that you can use for safe places to keep your money John Labunski on has lots of advice on just how to do this. The big thing is to make sure that you have enough money in safe places to tide you over if the worst does happen.

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