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10 simple money management tips | Manulife Plan & Learn
Knowing how much you have coming in every month and what you need to spend helps you work out the best way to deal with your debts. Skip to main content. Home Investing Financial planning Get your finances in shape for Moneywise takes a look at different ways you can help get your finances under control for the year ahead From organising your finances to switching banks, here are some proactive ways to make sure you are on top of your finances in Weird and wonderful budgeting tips Get organised First of all, you want to get organised.
By starting a spending diary, you can see exactly where your money is going. Save money and cut costs There are plenty of things you can do to help yourself save money. Reduce your debt It is easy to fall behind with your finances in January after overspending during the Christmas period. Credit card debt can be expensive, so it makes sense to pay this off as quickly as possible.
Step 1: Budget Your Money into Fixed, Savings, and Variable Expenses
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Organise Your Money: Be Financially Free
Moneywise reveals its Personal Finance Teachers of the Year Facebook launches its own money 'Libra' and promises a global digital currency to make payments via your smartphone. The simplest way to set up your bank accounts is by having one bank account for fixed expenses, one savings account for savings expenses, and one chequing account for variable costs. Pull out your calculator and total up each of the three categories in your budget.
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The total for your savings expenses tells you how much you should be setting aside in your savings account each month to be prepared for irregular expenses, emergencies, and save for your goals. Your total for variable costs is how much spending money you have in a month.
2. Track expenses — and anticipate future ones
Setting up automatic transfers to transfer funds from where they're deposited into your different chequing and savings accounts is the easiest way to manage your money properly. This way, you will know to leave the money for bills, leave the savings for the items or events they are intended for, and you will know exactly what you have available as spending money.
Your financial institution should not charge you for opening multiple savings accounts. Simply set up your automatic transfers into the various savings accounts instead of putting it all into one big savings account. The same goes for your spending money. If you'd like to divide your spending cash into different categories such as groceries, gas, or clothes, you can do that too.