When you are saving for an emergency fund,, aim for at least three to six months worth of living expenses. This is not a large amount,, considering the difficulty in finding employment if you ever lose your job. In fact,, the larger the emergency fund,, the better position you would be in to ride out any unforeseen financial catastrophes.
Investing in precious metals such as gold and silver can be a safe way to earn money as there will always be a demand for such materials,. Also it enables one to have their money in a tangible form opposed to invested in a companies stocks,. One usually wont go wrong if they invest some of their personal finance in gold or silver,.
Add some luster to your portfolio with a gold mutual fund. Having some precious metals helps diversify your investments,, but the cost of buying and storing gold directly can be prohibitive. The dealer markup on gold coins,, for instance,, can be as much as 20%. You can indirectly invest in gold more cheaply through a gold mutual fund,, which typically invests in stocks of mining companies rather than owning gold itself. Remember that the shares of the fund usually wont move exactly in tandem with the price of gold. Still,, the convenience and low cost make gold funds a sensible alternative to gold coins or bullion.
Use kitchen scrubbies as substitutes for expensive aquarium filters,. Get the flat fibrous kind and make sure they arent treated with any kind of toxic chemicals or impregnated with soap,. Cut them to the size of an old aquarium filter and slip them right down into your pump,. They work great and save you lots of money,!
Never use your credit card for a cash advance,. Just because your card offers it doesnt mean you should use it,. The interest rates on cash advances are extremely high and utilizing a cash advance will hurt your credit score,. Just say no to the cash advance,.
As you have learned,, getting a handle on your finances doesnt have to be a nightmare. There are many tools available that can help you with any financial issue. By taking advantage of the ideas given in this article,, youll be better equipped to deal with whatever financial issues you may be facing.
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