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Managing Daily Financial

When you see the phrase “financial planning,” it’s easy to first visualize long-range plans and future earnings, mapping out your financial road in terms of miles, not steps. But money management isn’t just about dealing with what’s coming up, it’s also about controlling finances every day. Learning to recognize where your money is going each day can help you reach goals and smooth your financial path.

 
Take a Closer Look

Did you start the day with a $20 bill and come home with mere pocket change? You’re not alone. It’s easy to lose track of money when it’s handed out in small portions, like a few dollars for coffee, a few more for lunch, and then a few more for parking or an afternoon treat. Staying aware of these little necessities and taking a good look at where your money is going will help boost you up to the management level.

 

Make It Simple

There are many ways to turn daily financial organization from a time-consuming management headache into a more streamlined, and even pleasant, process. Here are some ideas to help you get started:

  • Consolidate your accounts. Balancing brokerage and IRA statements with savings and checking account details can mean a pile of paper that seems insurmountable. Putting all your nest eggs in one basket can significantly reduce the hassle of managing multiple accounts from different banks and brokers.
  • Use auto pay for bills. Most online billing has an auto pay function. This is especially helpful for those who have trouble paying bills on time. It still may help to set alert in your calendar so you can ensure the linked bank account or credit card has sufficient funds. It’s still important to review your statements to check for accuracy. 
  • Use a money management app. There are a lot of different apps to choose from, all with different features and benefits, depending on your needs. For a closer look at your daily spending, advice on what areas of spending you can cut down on, and so much more, check out Mint and all it has to offer. 
  • Request a change in billing cycles. If your major bills come due at different times, you can request a change in the billing cycles. This will enable you to set aside a time each month to review and pay your bills.
 Keep on Track

After factoring in all sources of income and accounting for large and small expenses, construct a budget you can live with. Being able to easily review your financial picture will put you in control and controlling expenses is the key to staying within a budget.