genkibeam.net » manage http://www.genkibeam.net The Financial Advice Sat, 27 Nov 2010 06:32:42 +0000 http://wordpress.org/?v=2.8.6 en hourly 1 How to manage our money in crisis http://www.genkibeam.net/financing/how-to-manage-our-money-in-crisis.html http://www.genkibeam.net/financing/how-to-manage-our-money-in-crisis.html#comments Mon, 06 Apr 2009 05:24:01 +0000 rizki http://www.genkibeam.net/?p=127 krisisCrisis…..Crisis……and Crisis ?????
Everyone scare about this conditions, this case now is influance in every country this call “global financial crisis” . Why are people scare about this because a global finance crisis caused the increase in fuel, followed by the increase in food. Which is the basic material needs of the daily sacrifice shall be redeemed with the fund that no longer small. Imagine the revenue has not increased because the company may be difficult due to the increase of fuel, we still must accept the fact that spending money and transport money that has been prepared that can no longer be used as appropriate.

Arelooking for side job is the solution ?……. I think not because even we have a side job an we can’t manage our expenditure in using money it is same with foolish things that we have done.
How about having Debt, are this is solution?…….I don’t think so because maybe this is right way but just for a while and this also make a new problems in pay it.
So what should we do to know the best solutions ?…..Maybe here’s some ways :
# consolidate budget expenditures with make an financial planning to evaluated expenditures that you have spend every month and different between  needs and wish. This means that needs is the most important than wish, because needs is use for a long time and wish is just for a while.
# stop wasteful spending with faint not detected later that will make you over-expenditure
# avoid debt
even we need it but we must avoid it, because in the crisis like now I’m sure that the interest is high, this will make you difficult to pay the interest.
# don’t speculations in making investations
even this is right way in future but if you don’t understand much about the investation don’t try to make it because maybe this will make you in a new problems. So if you want to doing investation maybe you should ask more informations and ask to someone who expert in this way.
# doing some insurance
with doing some insurance such as educations, health, etc. Sometimes in crisis like this insurance interest will increase so this give advantages for you.
# side job
maybe this will help you for a while and not become important point to do.
# separete quarter of your income for the unexpected in the future, so if there any unexpected expenditure happens you never think again how to pay this expenditure because you can take it from this money.
# make sure that you alway saving your money regularly
Maybe that all the tips to manage our money in crisis like now, even we don’t know when the crisis will finish. One thing you should do in the crisis like now is how to doing our life as simple as we can. Because with simply people I’m sure that we can manage our financial very well, and we not influence with the lifestyle because not to flaunt the success of each other all the others. Unnecessary jor-fishing gear showed consumer attitudes. The glory of self is not on the size of the property. Be an independent person. Do not be making other people.
One of the things that we can do to get the economy is rational tranquility in managing household finances. Appeal to tighten belt to be eligible. Needs that need should not be abandoned far. Ala of life measure. Unnecessary excessive

]]> http://www.genkibeam.net/financing/how-to-manage-our-money-in-crisis.html/feed 0 Bad Credit Private Loan and how manage it into good credit http://www.genkibeam.net/bad-credit/bad-credit-private-loan-and-how-manage-it-into-good-credit.html http://www.genkibeam.net/bad-credit/bad-credit-private-loan-and-how-manage-it-into-good-credit.html#comments Fri, 27 Mar 2009 07:07:20 +0000 rizki http://www.earnyourallowance.com/?p=21 bad No body’s want to have a bad credit in his private loan. But do you ever think why it’s all happens in your life???……..Without realize it, it’s come to your life. Too much people afraid because their credit is bad and they think that they can’t buy something likes a home, car, refrigerator, etc.
Without a credit maybe people can’t buy anything they wants, but is all depend on you can manage it well or not.
If you have a low credit maybe you realize that a lot of things influences your life. Sometimes when you want to take a insurance you afraid if you can’t Qualify the condition, but there was a ways that you can qualify for a bad credit private loan to help you get on your feet financially.
There are two categories of loans that you apply for, likes :
–>Secure loans : has no collateral attaced, making the interest rates significantly higher than those of a secure loan.
–>Unsecured loan : has no collateral attached to it, making the interest rates significantly higher than those of a secured loan.
To choose one of two categories you must ask more information before you deside it, because only you can choose which is more better for you and have more advantages for your lifes.
Bad credit loans can be entailed easily from a banks, other financial institutions and online. But more simply if we can pay it online because the applying is simple and quick, customers also can apply by filling up a simple aplication form.
OK…………NOW The Question is “How to make our bad Credit into Good credit?”
Before answer it you must know how to use credit wisely, there is some ways you must doing to make your credit good, such as :
1. pay your minimum bill regularly
2. don’t spend your money to purchase goods that exceed your income
3. do not think with the excessive spending that you can pay later
4. note the payment due date
5. give confirmation about your new address if you move to the company
Maybe this five way can open your minds and make you think to make your bad credit become good credit.
Beside that there is 3C to maintain your credit health likes :
–> Character (a note behavior of customers in managing credit)its like a description from their customer in pay their credit.
–> Capacity (capacity in doing a payment)means that customers ability in pay their loan or card credit based on income and your financial condition.
–> Collateral (guarantee customers have) means that what customers use as a guarantee to make their credit washy, such as home certificates, BPKB motorcycle, etc.
With this 3C can make you more carefull to make your credit not to bad.

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